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<SEC-DOCUMENT>0000796534-08-000005.txt : 20080312
<SEC-HEADER>0000796534-08-000005.hdr.sgml : 20080312
<ACCEPTANCE-DATETIME>20080312144804
ACCESSION NUMBER:		0000796534-08-000005
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20071231
FILED AS OF DATE:		20080312
DATE AS OF CHANGE:		20080312

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NATIONAL BANKSHARES INC
		CENTRAL INDEX KEY:			0000796534
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				541375874
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-15204
		FILM NUMBER:		08683318

	BUSINESS ADDRESS:	
		STREET 1:		101 HUBBARD STREET
		STREET 2:		PO BOX 90002
		CITY:			BLACKSBURG
		STATE:			VA
		ZIP:			24060
		BUSINESS PHONE:		540-951-6300

	MAIL ADDRESS:	
		STREET 1:		101 HUBBARD STREET
		STREET 2:		PO BOX 90002
		CITY:			BLACKSBURG
		STATE:			VA
		ZIP:			24060
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>form10k_2007.htm
<TEXT>
<html>
    <head>
        <title></title>
    </head>

    <body style="FONT-FAMILY: 'Times New Roman'" bgcolor="#ffffff">
        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><b><font size="4">UNITED
        STATES</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <b><font size="4">SECURITIES AND EXCHANGE COMMISSION</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <b><font size="4">Washington, D.C. 20549</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><b><font size="4">FORM
        10-K</font></b></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="734" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="734">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font face="Wingdings"><b>x</b></font> <b><font size="2">Annual Report
                        Pursuant to Section 13 or 15(d) of the Securities Exchange Act of
                        1934</font></b></p>
                    </td>
                </tr>

                <tr style="HEIGHT: 10.35pt">
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 10.35pt" valign="top" width="734">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 179.25pt; TEXT-ALIGN: center">
                        <font size="2">For the Fiscal Year Ended December 31, 2007</font></p>

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

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="734">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font face="Wingdings"><b><font size="2">o</font></b></font>
                        <b><font size="2">Transition Report Pursuant to Section 13 or 15(d) ofthe
                        Securities Exchange Act of 1934</font></b></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><font size="2">For the
        transition period from ________ to ________.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <font size="2">Commission File Number: 0-15204</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <b><font size="6">NATIONAL BANKSHARES, INC.</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><font size="2">(Exact
        name of registrant as specified in its charter)</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="735" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 5.75pt; PADDING-LEFT: 5.75pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="368">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">Virginia</font><br>
                        <font size="2">(State of incorporation)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.75pt; PADDING-LEFT: 5.75pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="368">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">54-1375874</font><br>
                        <font size="2">(I.R.S. Employer Identification No.)</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><font size="2">101
        Hubbard Street</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><font size="2">P.O. Box
        90002</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <font size="2">Blacksburg, VA 24062-9002</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><font size="2">(540)
        951-6300</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><font size="2">(Address
        and telephone number of principal executive offices)</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="734" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="367">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <u><font size="2">Securities registered pursuant to Section 12(b) of the
                        Act:</font></u><br>
                        <font size="2">None</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="367">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <u><font size="2">Securities registered Pursuant to Section 12(g) of the
                        Act:</font></u><br>
                        <font size="2">Common Stock, Par Value $1.25 per share</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="649" border="0">
                <tr>
                    <td valign="top" nowrap width="557">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Indicate by check mark if the registrant is a well-known
                        seasoned issuer, as defined in Rule 405 of the Securities Act.</font></p>
                    </td>

                    <td valign="top" nowrap width="47">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Yes&nbsp;<font face="Wingdings">o</font></font><font size="2">
                        &nbsp;&nbsp;</font></p>
                    </td>

                    <td valign="top" nowrap width="45">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">No&nbsp;&nbsp;</font> <font face="Wingdings">x</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="660" border="0">
                <tr>
                    <td valign="top" nowrap width="567">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Indicate by check mark if the registrant is not required to
                        file reports pursuant to Section 13 or Section 15(d) of the Act.</font></p>
                    </td>

                    <td valign="top" nowrap width="47">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Yes <font face="Wingdings">o</font></font></p>
                    </td>

                    <td valign="top" nowrap width="47">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">No&nbsp;&nbsp;</font> <font face="Wingdings">x</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">Indicate by
        check mark whether the registrant (1) has filed all reports required to be filed by Section
        13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for
        such shorter period that the registrant was required to file such reports), and (2) has
        been subject to such filing requirements for the past 90 days. Yes</font>
        <font face="Wingdings">x</font> <font size="2">No</font>
        <font face="Wingdings"><font size="2">o</font></font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 6pt; TEXT-ALIGN: left"><font size="2">Indicate by
        check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K
        (&sect;229.405 of this chapter) is not contained herein, and will not be contained, to the
        best of registrant&rsquo;s knowledge, in definitive proxy or information statements
        incorporated by reference in Part III of this Form 10-K or any amendment to this Form
        10-K.</font><font face="Wingdings">x</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">Indicate by
        check mark whether the registrant is a large accelerated filer, an accelerated filer, or a
        non-accelerated filer. See definition of &ldquo;accelerated filer and large accelerated
        filer&rdquo; in Rule 12b-2 of the Exchange Act. (Check one):</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><font size="2">Large
        accelerated filer</font> <font face="Wingdings"><font size="2">o</font></font>
        <font size="2">Accelerated filer</font> <font face="Wingdings">x</font>
        <font size="2">Non-accelerated filer</font>
        <font face="Wingdings"><font size="2">o</font></font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="575" border="0">
                <tr>
                    <td valign="top" nowrap width="533">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Indicate by check mark whether the registrant is a shell
                        company (as defined in Rule 12b-2 of the Act).</font></p>
                    </td>

                    <td valign="top" nowrap width="41">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Yes
                        <font size="3"></font><font face="Wingdings"><font size="2">o</font></font></font></p>
                    </td>

                    <td valign="top" nowrap width="41"><font size="2">No</font>
                    <font face="Wingdings">x</font></td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">The
        aggregate market value of the voting common stock of the registrant held by stockholders
        (not including voting common stock held by Directors, Executive Officers and Corporate
        Governanace) on June 30, 2007 (the last business day of the most recently completed second
        fiscal quarter) was approximately $134,464,928. As of February 15, 2008, the registrant had
        6,932,474 shares of voting common stock outstanding.</font></p>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="573" border="0">
                <tr>
                    <td valign="top" nowrap width="16">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="557">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Portions of the following documents are incorporated herein
                        by reference into the Part of the Form 10-K indicated.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="734" border="0">
                <tr style="HEIGHT: 0.2in">
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid; HEIGHT: 0.2in" valign="top" width="482">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="2">Document</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid; HEIGHT: 0.2in" valign="top" width="252">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="2">Part of Form 10-K into which incorporated</font></b></p>
                    </td>
                </tr>

                <tr style="HEIGHT: 0.2in">
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 0.2in" valign="top" width="482">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">National Bankshares, Inc. 2007 Annual Report to
                        Stockholders</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 0.2in" valign="top" width="252">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">Part II</font></p>
                    </td>
                </tr>

                <tr style="HEIGHT: 0.2in">
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 0.2in" valign="top" width="482">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">National Bankshares, Inc. Proxy Statement for the 2008
                        Annual Meeting of Stockholders</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 0.2in" valign="top" width="252">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">Part III</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <b><font size="2">NATIONAL BANKSHARES, INC. AND SUBSIDIARIES</font></b></p>

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

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

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="734" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Part_I"><u><b><font size="2">Part I</font></b></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <u><b><font size="2">Page</font></b></u></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 1.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Item_1"><u><font size="2">Business</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">3</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 1A.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Item_1A"><u><font size="2">Risk Factors</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">7</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 1B.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Item_1B"><u><font size="2">Unresolved Staff
                        Comments</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">7</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 2.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Item_2"><u><font size="2">Properties</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">7</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 3.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Item_3"><u><font size="2">Legal Proceedings</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">7</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 4.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Item_4"><u><font size="2">Submission of Matters to a Vote of
                        Security Holders</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">7</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Part_II"><u><b><font size="2">Part II</font></b></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 5.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Item_5"><u><font size="2">Market for Registrant&rsquo;s Common
                        Equity, Related Stockholder Matters and Issuer Purchases of Equity
                        Securities</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">8</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 6.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Item_6"><u><font size="2">Selected Financial
                        Data</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">10</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.9in; TEXT-INDENT: -0.9in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 7.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Item_7"><u><font size="2">Management&rsquo;s Discussion and
                        Analysis of Financial Condition and Results of Operation</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">11</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.9in; TEXT-INDENT: -0.9in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 7A.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.9in; TEXT-INDENT: -0.9in; TEXT-ALIGN: left">
                        <a href="#Item_7A"><u><font size="2">Quantitative and Qualitative
                        Disclosures About Market Risk</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">26</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.9in; TEXT-INDENT: -0.9in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 8.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.9in; TEXT-INDENT: -0.9in; TEXT-ALIGN: left">
                        <a href="#Item_8"><u><font size="2">Financial Statements and Supplementary
                        Data</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">27</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.9in; TEXT-INDENT: -0.9in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 9.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.9in; TEXT-INDENT: -0.9in; TEXT-ALIGN: left">
                        <a href="#Item_9"><u><font size="2">Changes In and Disagreements With
                        Accountants on Accounting and Financial Disclosure</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">54</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.9in; TEXT-INDENT: -0.9in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 9A.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.9in; TEXT-INDENT: -0.9in; TEXT-ALIGN: left">
                        <a href="#Item_9A"><u><font size="2">Controls and
                        Procedures</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">54</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.9in; TEXT-INDENT: -0.9in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 9B.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.9in; TEXT-INDENT: -0.9in; TEXT-ALIGN: left">
                        <a href="#Item_9B"><u><font size="2">Other Information</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">55</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.9in; TEXT-INDENT: -0.9in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Part_III"><u><b><font size="2">Part III</font></b></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.9in; TEXT-INDENT: -0.9in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.9in; TEXT-INDENT: -0.9in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 10.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Item_10"><u><font size="2">Directors, Executive Officers and
                        Corporate Governance</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">55</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 11.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Item_11"><u><font size="2">Executive
                        Compensation</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">55</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 12.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Item_12"><u><font size="2">Security Ownership of Certain
                        Beneficial Owners and Management and Related Stockholder
                        Matters</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">56</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 13.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Item_13"><u><font size="2">Certain Relationships and Related
                        Transactions, and Director Independence</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">56</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 14.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Item_14"><u><font size="2">Principal Accounting Fees and
                        Services</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">56</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Part_IV"><u><b><font size="2">Part IV</font></b></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Item 15.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#Item_15"><u><font size="2">Exhibits, Financial Statement
                        Schedules</font></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">56</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#signatures"><u><b><font size="2">Signatures</font></b></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">58</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="118">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <a href="#index_exhibits"><u><b><font size="2">Index of
                        Exhibits</font></b></u></a></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.2pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">63</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="384" border="0">
                <tr>
                    <td valign="top" nowrap width="357">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="27">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">2</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><u><b><font size="2">Part
        I</font></b></u></p>

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">
        <u><b><font size="2"><a name="item_1"></a>Item 1. Business</font></b></u></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">History
        and Business</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">National Bankshares, Inc. (the Company or NBI) is a financial holding
        company that was organized in 1986 under the laws of Virginia and is registered under the
        Bank Holding Company Act of 1956. It conducts most of its operations through its
        wholly-owned community bank subsidiary, the National Bank of Blacksburg (NBB). It also owns
        National Bankshares Financial Services, Inc. (NBFS), which does business as National
        Bankshares Insurance Services and National Bankshares Investment Services.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">The
        National Bank of Blacksburg</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The National Bank of Blacksburg, which does business as National Bank, was
        originally chartered in 1891 as the Bank of Blacksburg. Its state charter was converted to
        a national charter in 1922 and it became the National Bank of Blacksburg. In 2004, NBB
        purchased Community National Bank of Pulaski, Virginia. In May, 2006, Bank of Tazewell
        County, a Virginia bank which since 1996 had also been a wholly-owned subsidiary of NBI,
        was merged with and into NBB.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">NBB is community-oriented, and it offers a full range of retail and
        commercial banking services to individuals, businesses, non-profits and local government
        units from its headquarters in Blacksburg, Virginia and its twenty-five branch offices
        throughout southwest Virginia. NBB has telephone and Internet banking and it operates
        twenty-five automated teller machines in its service area. Lending is focused at small and
        mid-sized businesses and at individuals. Loan types include commercial, agricultural, real
        estate, home equity and consumer. Merchant credit card services and business and consumer
        credit cards are available. Deposit accounts offered include demand deposit accounts, money
        market deposit accounts, savings accounts and certificates of deposit. NBB offers other
        miscellaneous services normally provided by commercial banks, such as letters of credit,
        night depository, safe deposit boxes, travelers checks, utility payment services and
        automatic funds transfer. NBB conducts a general trust business that has wealth management
        and trust and estate services for individual and business customers.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">At December 31, 2007, NBB had total assets of $882,866 and total deposits of
        $776,431. NBB&rsquo;s net income for 2007 was $12,857, which produced a return on average
        assets of 1.49% and a return on average equity of 13.29%. Refer to Note 12 of the Notes to
        Consolidated Financial Statements for NBB&rsquo;s risk-based capital ratios.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">National Bankshares Financial Services, Inc.</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In 2001, National Bankshares Financial Services, Inc. was formed in Virginia
        as a wholly-owned subsidiary of NBI. NBFS offers non-deposit investment products and
        insurance products for sale to the public. NBFS works cooperatively with Bankers
        Investments, LLC to provide investments and with Bankers Insurance, LLC for insurance
        products. NBFS does not significantly contribute to NBI&rsquo;s net income.</font></p>

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

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The percentage of total operating revenue attributable to each class of
        similar service that contributed 15% or more of the Company&rsquo;s total operating revenue
        for the years ended December 31, 2007, 2006 and 2005 is set out in the following
        table.</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="701" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="224">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <b><font size="1">Period</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="20">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <b><font size="1">Class of Service</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="22">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="176">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Percentage of</font></b><br>
                        <b><font size="1">Total Revenues</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="224">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        <font size="2">December 31, 2007</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">Interest and Fees on Loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="176">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">62.60</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="224">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">Interest on Investments</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="176">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21.46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="224">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        <font size="2">December 31, 2006</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">Interest and Fees on Loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="176">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">61.51</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="224">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">Interest on Investments</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="176">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21.76</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="224">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        <font size="2">December 31, 2005</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">Interest and Fees on Loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="176">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">62.71</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="HEIGHT: 3.5pt; page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 3.5pt" valign="top" width="224">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 3.5pt" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 3.5pt" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">Interest on Investments</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 3.5pt" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 3.5pt" width="176">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21.96</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 3.5pt" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">NBB&rsquo;s market area in southwest Virginia is made up of the counties of
        Montgomery, Giles, Pulaski, Tazewell, Wythe, Smyth and Washington. It also includes the
        independent cities of Radford and Galax, and the portions of Carroll and Grayson Counties
        that are adjacent to Galax. The bank also serves those portions of Mercer County and
        McDowell County, West Virginia that are contiguous with Tazewell County, Virginia. Although
        largely rural, the market area is home to two major universities, Virginia Tech and
        Radford</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="384" border="0">
                <tr>
                    <td valign="top" nowrap width="357">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="27">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">3</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <font size="2">University, and to three community colleges. Virginia Tech, located in
        Blacksburg, Virginia, is the area&rsquo;s largest employer and is the Commonwealth&rsquo;s
        largest university. A second state supported university, Radford University, is located
        nearby. Employment at the universities has been stable and is expected to remain so. In
        recent years Virginia Tech&rsquo;s Corporate Research Center has brought several high-tech
        companies to Montgomery County.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.25in; TEXT-ALIGN: justify">
        <font size="2">In addition to education, the market area has a diverse economic base, with
        manufacturing, agriculture, tourism, healthcare, retail and service industries all
        represented. Large manufacturing facilities in the region include Celanese Acetate, the
        largest employer in Giles County, and Volvo Heavy Trucks, the largest company in Pulaski
        County. Both of these firms have experienced layoffs within the past three years. Pulaski
        and Galax have been centers for furniture manufacturing. In recent years, this industry has
        been declining because of growing furniture imports, and Pulaski Furniture Company closed
        its Pulaski plant during 2007. Tazewell County is largely dependent on the coal mining
        industry and on agriculture for its economic base. Coal production is a cyclical industry
        that has been improving over the past few years. Both Montgomery County and Bluefield in
        Tazewell County are regional retail centers and have facilities to provide basic heath care
        for the region.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.25in; TEXT-ALIGN: justify">
        <font size="2">NBB&rsquo;s market area offers the advantages of a good quality of life,
        scenic beauty, moderate climate and historical and cultural attractions. The region has
        some recent success attracting retirees, particularly from the Northeast and urban northern
        Virginia.</font></p>

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

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The banking and financial services industry in NBB&rsquo;s market area is
        highly competitive. The competitive business environment is a result of changes in
        regulation, changes in technology and product delivery systems and competition from
        non-traditional financial services. NBB competes for loans and deposits with other
        commercial banks, credit unions, securities and brokerage companies, mortgage companies,
        insurance companies, retailers, automobile companies and other nonbank financial service
        providers. Many of these competitors are much larger in total assets and capitalization,
        have greater access to capital markets and offer a broader array of financial services than
        NBB. In order to compete, NBB relies upon a service-based business philosophy, personal
        relationships with customers, specialized services tailored to meet customers&rsquo; needs
        and the convenience of office locations. In addition, the bank is generally competitive
        with other financial institutions in its market area with respect to interest rates paid on
        deposit accounts, interest rates charged on loans and other service charges on loans and
        deposit accounts.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">Organization and Employment</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">NBI, NBB and NBFS are organized in a holding company/subsidiary structure.
        Functions that serve both subsidiaries, including audit, compliance, loan review and human
        resources, are at the holding company level for which fees are charged to the respective
        subsidiary. Until May, 2006, when it was merged with and into NBB, NBI operated a second
        wholly-owned bank subsidiary, Bank of Tazewell County.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">At December 31, 2007, NBI employed 17 full time employees, NBB had 222 full
        time equivalent employees and NBFS had 3 full time employees.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">Regulation, Supervision and Government Policy</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">NBI and NBB are subject to state and federal banking laws and regulations
        that provide for general regulatory oversight of all aspects of their operations. As a
        result of substantial regulatory burdens on banking, financial institutions like NBI and
        NBB are at a disadvantage to other competitors who are not as highly regulated, and NBI and
        NBB&rsquo;s costs of doing business are accordingly higher. A brief summary follows of
        certain laws, rules and regulations which affect NBI and NBB. Any changes in the laws and
        regulations governing banking and financial services could have an adverse effect on the
        business prospects of NBI and NBB.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">National Bankshares, Inc.</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.25in; TEXT-ALIGN: justify">
        <font size="2">NBI is a bank holding company qualified as a financial holding company under
        the Federal Bank Holding Company Act (BHCA), which is administered by the Board of
        Governors of the Federal Reserve System (the Federal Reserve). NBI is required to file an
        annual report with the Federal Reserve and may be required to furnish additional
        information pursuant to the BHCA. The Federal Reserve is authorized to examine NBI and its
        subsidiaries. With some limited exceptions, the BHCA requires a bank holding company to
        obtain prior approval from the Federal Reserve before acquiring or merging with a bank or
        before acquiring more than 5% of the voting shares of a bank unless it already controls a
        majority of shares.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <i><font size="2">The Bank Holding Company Act.</font></i> <font size="2">Under the BHCA, a
        bank holding company is generally prohibited from engaging in nonbanking activities unless
        the Federal Reserve has found those activities to be incidental to banking. Bank holding
        companies also may not acquire more than 5% of the voting shares of any company engaged in
        nonbanking activities. Amendments to the BHCA that were included in the Gramm-Leach-Bliley
        Act of 1999 (see below) permitted any bank holding company with bank subsidiaries that are
        well-capitalized, well-managed and which have a satisfactory or better rating under the
        Community Reinvestment Act (see below) to file an election with the Federal Reserve to
        become a financial holding company. A financial holding company may engage in
        any</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="384" border="0">
                <tr>
                    <td valign="top" nowrap width="357">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="27">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">4</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">activity
        that is (i) financial in nature (ii) incidental to a financial activity or (iii)
        complementary to a financial activity. Financial activities include insurance underwriting,
        securities dealing and underwriting and providing financial, investment or economic
        advising services. NBI is a financial holding company.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <i><font size="2">The Virginia Banking Act.</font></i> <font size="2">The Virginia Banking
        Act requires all Virginia bank holding companies to register with the Virginia State
        Corporation Commission (the Commission). NBI is required to report to the Commission with
        respect to financial condition, operations and management. The Commission may also make
        examinations of any bank holding company and its subsidiaries.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <i><font size="2">The Gramm-Leach-Bliley Act.</font></i> <font size="2">The
        Gramm-Leach-Bliley Act (GLBA) permits significant combinations among different sectors of
        the financial services industry, allows for expansion of financial service activities by
        bank holding companies and offers financial privacy protections to consumers. GLBA preempts
        most state laws that prohibit financial holding companies from engaging in insurance
        activities. GBLA permits affiliations between banks and securities firms in the same
        holding company structure, and it permits financial holding companies to directly engage in
        a broad range of securities and merchant banking activities.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <i><font size="2">The Sarbanes-Oxley Act.</font></i> <font size="2">The Sarbanes-Oxley Act
        (SOX) enacted sweeping reforms of the federal securities laws intended to protect investors
        by improving the accuracy and reliability of corporate disclosures. It impacts all
        companies with securities registered under the Securities Exchange Act of 1934, including
        NBI. SOX creates increased responsibility for chief executive officers and chief financial
        officers with respect to the content of filings with the Securities and Exchange
        Commission. Section 404 of SOX and related Securities and Exchange Commission rules focused
        increased scrutiny by internal and external auditors on NBI&rsquo;s systems of internal
        controls over financial reporting, which is designed to insure that those internal controls
        are effective in both design and operation. SOX sets out enhanced requirements for audit
        committees, including independence and expertise, and it includes stronger requirements for
        auditor independence and limits the types of non-audit services that auditors can provide.
        Finally, SOX contains additional and increased civil and criminal penalties for violations
        of securities laws.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <i><font size="2">Capital Requirements.</font></i> <font size="2">The Federal Reserve has
        adopted risk-based capital guidelines that are applicable to NBI. The guidelines provide
        that the Company must maintain a minimum ratio of 8% of qualified total capital to
        risk-weighted assets (including certain off-balance sheet items, such as standby letters of
        credit). At least half of total capital must be comprised of Tier 1 capital, for a minimum
        ratio of Tier 1 capital to risk-weighted assets of 4%. In addition, the Federal Reserve has
        established minimum leverage ratio guidelines of 4% for banks that meet certain specified
        criteria. The leverage ratio is the ratio of Tier 1 capital to total average assets, less
        intangibles. NBI is expected to be a source of capital strength for its subsidiary bank,
        and regulators can undertake a number of enforcement actions against NBI if its subsidiary
        bank becomes undercapitalized. NBI&rsquo;s bank subsidiary is well capitalized and fully in
        compliance with capital guidelines.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.26in; TEXT-ALIGN: justify">
        <font size="2">Bank regulators could choose to raise capital requirements for banking
        organizations beyond current levels. NBI is unable to predict if higher capital levels may
        be mandated in the future.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">The
        National Bank of Blacksburg</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">NBB is a national banking association incorporated under the laws of the
        United States, and the bank is subject to regulation and examination by the Office of the
        Comptroller of the Currency (OCC). NBB&rsquo;s deposits are insured by the Federal Deposit
        Insurance Corporation (FDIC) up to the limits of applicable law. The OCC, as the primary
        regulator, and the FDIC regulate and monitor all areas of NBB&rsquo;s operation. These
        areas include adequacy of capitalization and loss reserves, loans, deposits, business
        practices related to the charging and payment of interest, investments, borrowings, payment
        of dividends, security devices and procedures, establishment of branches, corporate
        reorganizations and maintenance of books and records. NBB is required to maintain certain
        capital ratios. It must also prepare quarterly reports on its financial condition for the
        OCC and conduct an annual audit of its financial affairs. OCC requires NBB to adopt
        internal control structures and procedures designed to safeguard assets and monitor and
        reduce risk exposure. While appropriate for the safety and soundness of banks, these
        requirements add to overhead expense for NBB and other banks.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <i><font size="2">The Community Reinvestment Act.</font></i> <font size="2">NBB is subject
        to the provisions of the Community Reinvestment Act (CRA), which imposes an affirmative
        obligation on financial institutions to meet the credit needs of the communities they
        serve, including low- and moderate-income neighborhoods. The OCC monitors NBB&rsquo;s
        compliance with the CRA and assigns public ratings based upon the bank&rsquo;s performance
        in meeting stated assessment goals. Unsatisfactory CRA ratings can result in restrictions
        on bank operations or expansion. NBB received a &ldquo;satisfactory&rdquo; rating in its
        last CRA examination by the OCC.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <i><font size="2">The Gramm-Leach-Bliley Act</font></i><font size="2">. In addition to
        other consumer privacy provisions, the Gramm-Leach-Bliley Act (GLBA) restricts the use by
        financial institutions of customers&rsquo; nonpublic personal information. At the inception
        of the customer relationship and annually thereafter, NBB is required to provide its
        customers with information regarding its policies and procedures with respect to handling
        of customers&rsquo; nonpublic personal information. GLBA generally prohibits a financial
        institution from providing a customer&rsquo;s nonpublic personal information to
        unaffiliated third parties without prior notice and approval by the customer.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="384" border="0">
                <tr>
                    <td valign="top" nowrap width="357">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="27">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">5</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
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        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <i><font size="2">The USA Patriot Act.</font></i> <font size="2">The USA Patriot Act
        (Patriot Act) facilitates the sharing of information among government entities and
        financial institutions to combat terrorism and money laundering. The Patriot Act imposes an
        obligation on NBB to establish and maintain anti-money laundering policies and procedures,
        including a customer identification program. The bank is also required to screen all
        customers against government lists of known or suspected terrorists. There is additional
        regulatory oversight to insure compliance with the Patriot Act.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <i><font size="2">Consumer Laws and Regulations.</font></i> <font size="2">There are a
        number of laws and regulations that regulate banks&rsquo; consumer loan and deposit
        transactions. Among these are the Truth in Lending Act, the Truth in Savings Act, the
        Expedited Funds Availability Act, the Equal Credit Opportunity Act, the Fair Housing Act,
        the Fair Credit Reporting Act, the Expedited Funds Availability Act and the Fair Debt
        Collections Practices Act. NBB is required to comply with these laws and regulations in its
        dealings with customers. There are numerous disclosure and other compliance requirements
        associated with the consumer laws and regulations.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <i><font size="2">Deposit Insurance.</font></i> <font size="2">NBB has deposits that are
        insured by the Federal Deposit Insurance Corporation (FDIC). FDIC maintains a Bank
        Insurance Fund (BIF) that is funded by risk-based insurance premium assessments on insured
        depository institutions. Assessments are determined based upon several factors, including
        the level of regulatory capital and the results of regulatory examinations. FDIC may adjust
        assessments if the insured institution&rsquo;s risk profile changes or if the size of the
        BIF declines in relation to the total amount of insured deposits. After several years with
        no BIF assessment, NBB was required to pay the minimum BIF assessment in 2007. However, NBB
        had certain payment credits that offset the 2007 assessment increase.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">After giving primary regulators an opportunity to first take action, FDIC
        may initiate an enforcement action against any depository institution it determines is
        engaging is unsafe or unsound actions or which is in an unsound condition, and the FDIC may
        terminate that institution&rsquo;s deposit insurance. NBB has no knowledge of any matter
        that would threaten its FDIC insurance coverage.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <i><font size="2">Capital Requirements.</font></i> <font size="2">The same capital
        requirements that are discussed above with relation to on NBI are applied to NBB by OCC.
        The OCC guidelines provide that banks experiencing internal growth or making acquisitions
        are expected to maintain strong capital positions well above minimum levels, without
        reliance on intangible assets.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <i><font size="2">Limits on Dividend Payments.</font></i> <font size="2">A significant
        portion of NBI&rsquo;s income is derived from dividends paid by NBB. As a national bank,
        NBB may not pay dividends from its capital, and it may not pay dividends if the bank would
        become undercapitalized, as defined by regulation, after paying the dividend. Without prior
        OCC approval, NBB&rsquo;s dividend payments in any calendar year are restricted to the
        bank&rsquo;s retained net income for that year, as that term is defined by the laws and
        regulations, combined with retained net income from the preceding two years, less any
        required transfer to surplus.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The OCC and FDIC have authority to limit dividends paid by NBB, if the
        payment were determined to be an unsafe and unsound banking practice. Any payment of
        dividends that depletes the bank&rsquo;s capital base could be deemed to be an unsafe and
        unsound banking practice.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <i><font size="2">Branching.</font></i> <font size="2">As a national bank, NBB is required
        to comply with the state branch banking laws of Virginia, the state in which the bank is
        located. NBB must also have the prior approval of OCC to establish a branch or acquire an
        existing banking operation. Under Virginia law, NBB may open branch offices or acquire
        existing banks or bank branches anywhere in the state. Virginia law also permits banks
        domiciled in the state to establish a branch or to acquire an existing bank or branch in
        another state.</font></p>

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

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The monetary and interest rate policies of the Federal Reserve, as well as
        general economic conditions, affect the business and earnings of NBI. NBB and other banks
        are particularly sensitive to interest rate fluctuations. The spread between the interest
        paid on deposits and that which is charged on loans is the most important component of the
        bank&rsquo;s profits. In addition, interest earned on investments held by NBI and NBB has a
        significant effect on earnings. As conditions change in the national and international
        economy and in the money markets, the Federal Reserve&rsquo;s actions, particularly with
        regard to interest rates, can impact loan demand, deposit levels and earnings at NBB. It is
        not possible to accurately predict the effects on NBI of economic and interest rate
        changes.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Other
        Legislative and Regulatory Concerns</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Federal and state laws and regulations are regularly proposed that could
        affect the regulation of financial institutions. New regulations could add to the
        regulatory burden on banks and increase the costs of compliance, or they could change the
        products that can be offered and the manner in which banks do business. We cannot foresee
        how regulation of financial institutions may change in the future and how those changes
        might affect NBI.</font></p>

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

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="711" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="687">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">NBI maintains a website at www.nationalbankshares.com. The
                        Company&rsquo;s annual report on Form 10-K, quarterly reports on</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="384" border="0">
                <tr>
                    <td valign="top" nowrap width="357">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="27">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">6</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">Form
        10-Q, current reports on Form 8-K and all amendments to those reports are made available on
        its website as soon as is practical after the material is electronically filed with the
        Securities and Exchange Commission.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <u><b><font size="2"><a name="item_1a"></a>Item 1A. Risk Factors</font></b></u></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">If
        market interest rates rise, our net interest income can be negatively affected in the short
        term.</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The direction and speed of interest rate changes affect our net interest
        margin and net interest income. In the short term, rising interest rates can negatively
        affect our net interest income, because our interest-bearing liabilities (generally
        deposits) reprice sooner than our interest-earning assets (generally loans).</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">If
        there is a significant economic downturn in our region, our credit risk could be adversely
        affected and result in loss.</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">We do business in a small geographic area, and a large percentage of our
        loans are made in our market area. If the region suffers a significant or prolonged period
        of economic downturn, there is a greater likelihood that more of our customers could become
        delinquent on their loans or other obligations to us. This could result in higher levels of
        credit-related losses, which could adversely affect our performance.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">If
        the subprime mortgage crisis spreads further and is not resolved, our business could be
        negatively affected.</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Although we have never engaged in subprime lending, the subprime crisis
        could impact us in several ways. If consumers are afraid to purchase real estate for an
        extended period, demand for loans for real estate development purposes will shrink and
        existing loans may become delinquent. In addition, the Company would see a drop in fees
        earned from the sale of mortgage loans in the secondary market. If there is a general
        devaluation in real estate, loan collateral values would decline. Finally, since the
        Company holds many municipal bonds in its investment portfolio, the failure of bond
        insurers resulting from their investment in subprime lending could negatively impact the
        value of those investments.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">If
        there is little economic growth in our market area, loan demand could
        suffer.</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">There are some portions of our market area with slow economic growth and
        limited loan demand. If the number and size of these areas increase, loan demand could
        suffer. Since loans are the Company&rsquo;s most profitable investment, this could lead to
        lower earnings.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">If
        the State of Virginia alters its philosophy with regard to providing on-campus housing for
        students at state-supported universities, the Company&rsquo;s loan portfolio could be
        negatively affected.</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">A number of the Company&rsquo;s large commercial real estate loans are
        secured with property used for off-campus student housing at two state universities. If the
        State of Virginia determines that it will provide on-campus housing for all students, the
        ability of customers to repay their loans could be adversely affected, which could in turn
        impact the Company.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">If
        more competitors come into our market area, our business could suffer.</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The financial services industry in our market area is highly competitive,
        with a number of commercial banks, credit unions, insurance companies and stockbrokers
        seeking to do business with our customers. If there is additional competition from new
        business or if our existing competitors focus more attention on our market, we could lose
        customers and our business could suffer.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <u><b><font size="2"><a name="item_1b"></a>Item 1B. Unresolved Staff
        Comments</font></b></u></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="127" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="103">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">There are none.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <u><b><font size="2"><a name="item_2"></a>Item 2. Properties</font></b></u></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">NBB owns and has a branch bank in NBI&rsquo;s headquarters building located
        at 101 Hubbard Street, Blacksburg, Virginia. The bank&rsquo;s main office is at 100 South
        Main Street, Blacksburg, Virginia. NBB owns an additional twenty branch offices and it
        leases four. NBB also owns an unused branch building that is being offered for sale. NBI
        owns a building in Pulaski, Virginia that is rented. We believe that existing facilities
        are adequate for current needs and to meet anticipated growth.</font></p>

        <p style="MARGIN-TOP: 6pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <u><b><font size="2"><a name="item_3"></a>Item 3. Legal Proceedings</font></b></u></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">NBI, NBB, and NBFS are not currently involved in any material pending legal
        proceedings, other than routine litigation incidental to NBB&rsquo;s banking
        business.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <u><b><font size="2"><a name="item_4"></a>Item 4. Submission of Matters to a Vote of
        Security Holders</font></b></u></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="599" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="575">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">No matters were submitted to a vote of security holders
                        during the fourth quarter ended December 31, 2007.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="384" border="0">
                <tr>
                    <td valign="top" nowrap width="357">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="27">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">7</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">
        <u><b><font size="2"><a name="part_ii"></a>Part II</font></b></u></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">
        <u><b><font size="2"><a name="item_5"></a>Item 5. Market for Registrant&rsquo;s Common
        Equity, Related Stockholder Matters and Issuer Purchases of Equity
        Securities</font></b></u></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">Common
        Stock Information and Dividends</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">National Bankshares, Inc.&rsquo;s common stock is traded on the NASDAQ
        Capital Market under the symbol &ldquo;NKSH&rdquo;. As of December 31, 2007, there were 899
        record stockholders of NBI common stock. The following is a summary of the market price per
        share and cash dividend per share of the common stock of National Bankshares, Inc. for 2007
        and 2006, adjusted for the effects of a March 31, 2006 2-for-1 stock split.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">
        <font size="2">&nbsp;Common Stock Market Prices</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="146">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="3">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Dividends per share</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="146">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">High</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Low</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">High</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Low</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; BORDER-LEFT: black 1pt solid; PADDING-TOP: 0in" valign="top" width="146">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">First Quarter</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">24.49</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">23.40</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">25.15</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">23.01</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="146">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Second Quarter</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">24.49</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">20.20</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">24.99</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21.90</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">0.37</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.36</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="146">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Third Quarter</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">20.49</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">18.84</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">23.24</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">22.01</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="146">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Fourth Quarter</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">19.75</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">16.48</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">24.64</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">22.30</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">0.39</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.37</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.27in; TEXT-ALIGN: left">
        <font size="2">NBI&rsquo;s primary source of funds for dividend payments is dividends from
        its bank subsidiary, NBB. Bank dividend payments are restricted by regulators, as more
        fully disclosed in Note 11 of Notes to Consolidated Financial Statements.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.26in; TEXT-ALIGN: left">
        <font size="2">The following table provides information about our purchases during the
        fourth quarter of 2007 of equity securities that are registered by the Company pursuant to
        Section 12 of the Securities Exchange Act of 1934.</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="721" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="top" width="97">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1.95pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <b><font size="1">Fiscal Period</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="20">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Total Number of Shares Purchased</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="77">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Average Price Paid per Share(1)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="20">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="158">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Total Number of Shares Purchased as Part of Publicly
                        Announced Plans or Programs(2)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="28">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="176">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Approximate Number of Shares That May Yet Be Purchased
                        Under the Plans or Programs(2)</font></b></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="97">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">October 1 - 31</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,600</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="77">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">19.78</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="158">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,600</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="28">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="176">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">75,350</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="97">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">November 1 - 30</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,400</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="77">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">19.34</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="158">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,400</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="28">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="176">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">69,950</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="97">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">December 1 - 31</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,200</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="77">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">18.48</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="158">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,200</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="28">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="176">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">64,750</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">1)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Average price per share includes commissions.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">2)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">On May 9, 2007 the Board approved the repurchase of up to
                        100,000 shares of common stock in the period from June 1, 2007 through May
                        31, 2008.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">Stock
        Performance Graph</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The following graph compares the yearly percentage change in the cumulative
        total of stockholder return on NBI common stock with the cumulative return on the NASDAQ
        Index and a peer group index comprised of southeastern independent community banks and bank
        holding companies for the five-year period commencing on December 31, 2002. These
        comparisons assume the investment of $100 in National Bankshares, Inc. common stock and in
        each of the indices on December 31, 2002, and the reinvestment of dividends.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="384" border="0">
                <tr>
                    <td valign="top" nowrap width="357">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="27">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">8</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><img src="img1.jpg"><br>
        </p>

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

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="701" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2002</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2003</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2004</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">NATIONAL BANKSHARES, INC.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">100</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">165</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">184</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">166</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">176</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">130</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">INDEPENDENT BANK INDEX</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">100</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">137</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">156</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">167</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">194</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">147</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">NASDAQ INDEX</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">100</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">150</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">163</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">166</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">183</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">198</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">The peer
        group Independent Bank Index is the compilation of the total return to stockholders over
        the past five years of the following group of 29 independent community banks located in the
        southeastern states of Alabama, Florida, Georgia, North Carolina, South Carolina,
        Tennessee, Virginia and West Virginia: Auburn National Bancshares, Inc., United Security
        Bancshares, Inc., TIB Financial Corp., Seacoast Banking Corp., Centerstate Banks of
        Florida, Inc., Fidelity Southern Corp., Southeastern Banking Corporation, Southwest Georgia
        Financial Corp., PAB Bankshares, Inc., Uwharrie Capital Corp., Four Oaks Fincorp, Inc.,
        Bank of Granite Corp., Carolina Trust Bank, FNB Financial Services Corp., BNC Bancorp, CNB
        Corporation, Geer Bancshares, Peoples Bancorporation, Inc., Community First Inc., Wilson
        Bank Holding Company, First Pulaski National Corporation, National Bankshares, Inc.,
        Monarch Financial Holdings, Inc., FNB Corporation, American National Bankshares, Inc.,
        Central Virginia Bankshares, Inc., Virginia Financial Group, C&amp;F Financial Corporation
        and First Century Bankshares, Inc.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="384" border="0">
                <tr>
                    <td valign="top" nowrap width="357">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="27">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">9</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">
        <u><b><font size="2"><a name="item_6"></a>Item 6. Selected Financial
        Data</font></b></u></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">National
        Bankshares, Inc. and Subsidiaries</font></b></p>

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

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

        <div align="center">
            <table style="BACKGROUND: white; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="316">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">$ in thousands, except per share data.</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="14">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Years ended December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="316">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2004</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2003</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">Selected Income Statement Data:</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">50,769</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">47,901</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">45,380</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">41,492</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">41,081</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">21,745</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">18,564</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">14,180</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11,125</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,252</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net interest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">29,024</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">29,337</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">31,200</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">30,367</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">28,829</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Provision for loan losses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">423</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">49</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">567</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,189</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,691</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Noninterest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">8,760</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">8,802</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,613</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,142</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6,186</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Noninterest expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">20,956</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21,670</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21,898</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">20,336</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">18,646</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Income taxes</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,730</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,788</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,924</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,754</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,236</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">12,675</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,632</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,424</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,230</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11,442</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Per Share Data:</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Basic net income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1.82</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.80</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.77</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.74</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1.63</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Diluted net income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1.82</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.80</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.76</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.73</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.62</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Cash dividends declared</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">0.76</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.73</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.71</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.64</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.57</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Book value</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">15.07</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">13.86</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">13.10</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12.38</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11.47</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Selected Balance Sheet Data at End of
                        Year:</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans, net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">518,435</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">495,486</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">487,162</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">472,199</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">401,428</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">273,343</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">285,489</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">272,541</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">250,708</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">230,154</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">887,647</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">868,203</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">841,498</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">796,154</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">708,560</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">776,339</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">764,692</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">745,649</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">705,932</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">625,378</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Stockholders&rsquo; equity</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">104,800</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">96,755</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">91,939</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">87,088</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">80,641</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Selected Balance Sheet Daily Averages:</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans, net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">505,070</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">488,624</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">487,130</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">438,761</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">405,696</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">282,734</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">271,066</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">261,743</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">250,305</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">229,004</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">867,061</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">840,080</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">819,341</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">753,730</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">697,012</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">758,657</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">741,071</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">724,015</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">665,627</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">616,823</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Stockholders&rsquo; equity</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">100,597</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">94,194</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">90,470</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">84,479</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">77,486</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Selected Ratios:</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Return on average assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1.46</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.50</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.52</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.62</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.64</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Return on average equity</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">12.60</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">13.41</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">13.73</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">14.48</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">14.77</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Dividend payout ratio</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">41.80</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">40.44</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">40.17</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">36.83</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">34.71</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="316">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Average equity to average assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">11.60</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11.21</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11.04</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11.21</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11.12</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">10</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <u><b><font size="2"><a name="item_7"></a>Item 7. Management&rsquo;s Discussion and
        Analysis of Financial Condition and Results of Operation</font></b></u></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">$ in
        thousands, except per share data.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">The following discussion and analysis provides information about the results
        of operations, financial condition, liquidity and capital resources of National Bankshares,
        Inc. and its subsidiaries. The discussion should be read in conjunction with the material
        presented in Item 8, &ldquo;Financial Statements and Supplementary Data&rdquo;, of this
        Form 10-K.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">This Annual Report on Form 10-K contains forward-looking statements within
        the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities
        Exchange Act of 1934. The Company&rsquo;s actual results could differ materially from those
        set forth in the forward-looking statements.</font></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="499" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="475">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Per share data has been adjusted to reflect a 2-for-1 stock
                        split effective March 31, 2006.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <u><b><font size="2">Critical Accounting Policies</font></b></u></p>

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

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">The Company&rsquo;s financial statements are prepared in accordance with
        accounting principles generally accepted in the United States (GAAP). The financial
        information contained within our statements is, to a significant extent, financial
        information that is based on measures of the financial effects of transactions and events
        that have already occurred. A variety of factors could affect the ultimate value that is
        obtained when earning income, recognizing an expense, recovering an asset or relieving a
        liability. The Company uses historical loss factors as one factor in determining the
        inherent loss that may be present in the loan portfolio. Actual losses could differ
        significantly from one previously acceptable method to another method. Although the
        economics of the Company&rsquo;s transactions would be the same, the timing of events that
        would impact the transactions could change.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">Allowance for Loan Losses</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">The allowance for loan losses is an estimate of the losses that may be
        sustained in our loan portfolio. The allowance is based on two basic principles of
        accounting: (i) SFAS 5,</font> <i><font size="2">Accounting for
        Contingencies</font></i><font size="2">, which requires that losses be accrued when they
        are probable of occurring and are estimable and (ii) SFAS 114,</font>
        <i><font size="2">Accounting by Creditors</font></i> <i><font size="2">for Impairment of a
        Loan</font></i><font size="2">, which requires that losses be accrued based on the
        differences between the value of collateral, present value of future cash flows or values
        that are observable in the secondary market and the loan balance.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">Our allowance for loan losses has three basic components: the formula
        allowance, the specific allowance and the unallocated allowance. Each of these components
        is determined based upon estimates that can and do change when the actual events occur. The
        formula allowance uses a historical loss view as an indicator of future losses and, as a
        result, could differ from the loss incurred in the future. However, since this history is
        updated with the most recent loss information, the errors that might otherwise occur are
        mitigated. The specific allowance uses various techniques to arrive at an estimate of loss.
        Historical loss information, expected cash flows and fair market value of collateral are
        used to estimate these losses. The use of these values is inherently subjective, and our
        actual losses could be greater or less than the estimates. The unallocated allowance
        captures losses that are attributable to various economic events and to industry or
        geographic sectors whose impact on the portfolio have occurred but have yet to be
        recognized either in the formula or in the specific allowance.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Core
        deposit intangibles</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Effective January 1, 2002, the Company adopted Financial Accounting
        Standards Board Statement No. 142,</font> <i><font size="2">Goodwill and Other Intangible
        Assets.</font></i> <font size="2">Accordingly, goodwill is no longer subject to
        amortization over its estimated useful life, but is subject to at least an annual
        assessment for impairment by applying a fair value based test. Additionally, Statement 142
        requires that acquired intangible assets (such as core deposit intangibles) be separately
        recognized if the benefit of the asset can be sold, transferred, licensed, rented, or
        exchanged, and amortized over its estimated useful life. Branch acquisition transactions
        were outside the scope of the Statement and therefore any intangible asset arising from
        such transactions remained subject to amortization over their estimated useful
        life.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In October 2002, the Financial Accounting Standards Board issued Statement
        No. 147,</font> <i><font size="2">Acquisitions of Certain Financial
        Institutions.</font></i> <font size="2">The Statement amends previous interpretive guidance
        on the application of the purchase method of accounting to acquisitions of financial
        institutions, and requires the application of Statement No. 141,</font>
        <i><font size="2">Business Combinations,</font></i> <font size="2">and Statement No. 142 to
        branch acquisitions if such transactions meet the definition of a business combination. The
        provisions of the Statement do not apply to transactions between two or more mutual
        enterprises. In addition, the Statement amends Statement No. 144,</font>
        <i><font size="2">Accounting for the Impairment of Long-Lived Assets,</font></i>
        <font size="2">to include in its scope core deposit intangibles of financial institutions.
        Accordingly, such intangibles are subject to a recoverability test based on undiscounted
        cash flows, and to the impairment recognition and measurement provisions required for other
        long-lived assets held and used. The Company has determined that the acquisitions that
        generated the intangible assets and goodwill on the consolidated balance sheets in the
        amount of $9,958 and $10,912 at December 31, 2003 and 2002, respectively, did not
        constitute the acquisition of a business, and therefore will continue to be
        amortized.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">11</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">National Bankshares, Inc. is a financial holding company incorporated under
        the laws of Virginia. Located in southwest Virginia, NBI has two wholly-owned subsidiaries,
        the National Bank of Blacksburg and National Bankshares Financial Services, Inc. The
        National Bank of Blacksburg, which does business as National Bank from twenty-six office
        locations, is a community bank. NBB is the source of nearly all of the Company&rsquo;s
        revenue. National Bankshares Financial Services, Inc. does business as National Bankshares
        Investment Services and National Bankshares Insurance Services. Income from NBFS is not
        significant at this time, nor is it expected to be so in the near future. Until May 26,
        2006, NBI operated a second wholly-owned bank subsidiary, Bank of Tazewell County. On that
        date it was merged with and into the National Bank of Blacksburg.</font></p>

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

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="709" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="685">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The following table presents NBI&rsquo;s key performance
                        ratios for the years ending December 31, 2007 and December 31,
                        2006:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="492" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="220">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">12/31/07</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="32">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">12/31/06</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="20">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="220">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Return on average assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="93">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1.46</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="32">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.50</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="220">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Return on average equity</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="93">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">12.60</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="32">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">13.41</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="220">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Basic net earnings per share</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="93">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1.82</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="32">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.80</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="220">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Fully diluted net earnings per share</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="93">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1.82</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="32">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.80</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="220">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net interest margin <sup>(1)</sup></font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="93">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3.98</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="32">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.13</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="220">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Noninterest margin <sup>(2)</sup></font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="93">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1.41</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="32">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.54</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="20">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(1)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Net Interest Margin &ndash; Year-to-date tax equivalent net
                        interest income divided by year-to-date average earning assets.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(2)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Noninterest Margin &ndash; Noninterest income (excluding
                        securities gain and losses) less noninterest expense (excluding the
                        provision for bad debts and income taxes) divided by average year-to-date
                        assets.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Basic net earnings per share grew by $0.02 per share because net earnings
        were higher than in 2006 and the number of shares of stock outstanding was slightly lower
        because of the Company&rsquo;s stock repurchase program. Although return on average assets
        and average equity declined slightly when compared with last year, they remained
        competitive when compared to peers. Return on average assets declined because internally
        generated growth in total assets in 2007 increased at a faster rate than net earnings.
        Return on average equity was lower than in 2006 because the Company&rsquo;s equity, mostly
        from retained earnings, increased more rapidly than did the current year&rsquo;s net
        earnings. Reflecting the effects of 2007 Federal Reserve interest rate increases on
        NBI&rsquo;s funding costs, the net interest margin declined to 3.98% from 4.13% during
        2006. The noninterest margin declined by 13 basis points.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="375" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="351">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">NBI&rsquo;s key growth indicators are shown in the following
                        table:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="480" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="161">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">For the period ending</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="161">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">12/31/07</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">12/31/06</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="161">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="128">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">273,343</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="145">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">285,489</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="161">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans, net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="128">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">518,435</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="145">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">495,486</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="161">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="128">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">776,339</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="145">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">764,692</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="161">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="128">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">887,647</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="145">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">868,203</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Total assets at December 31, 2007 were $887,647, an increase of $19,444 or
        2.2%. Net loans increased $22,949 or 4.6%. Total deposits at period-end were $776,339, an
        increase of $11,647 or 1.5%. Growth in 2007 and 2006 was internally generated.</font></p>

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

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="437" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="413">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Key indicators of NBI&rsquo;s asset quality are presented in
                        the following table:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">12</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="480" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="215">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 8.25pt; TEXT-ALIGN: center">
                        <b><font size="1">12/31/07</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 8.25pt; TEXT-ALIGN: center">
                        <b><font size="1">12/31/06</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="215">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Nonperforming loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,150</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="215">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans past due over 90 days</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">1,181</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">681</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="215">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other real estate owned</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">263</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">390</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="215">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Allowance for loan losses to loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1.00</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.03</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="215">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net charge-off ratio</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">.07</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">.07</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <font size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Nonperforming loans at December 31, 2007, all of which were nonaccrual
        loans, were $1,150, or 0.22% of loans net of unearned income. One loan of $1,144 accounted
        for the majority of the nonperforming loans total. At December 31, 2006, there were no
        nonperforming loans. At year-end 2007, loans past due 90 days or more were $1,181, an
        increase of $500 over December 31, 2006. Potential problem loans, or loans about which
        management has serious doubts about the borrowers&rsquo; ability to repay according to the
        terms of the loan, were $1,500 at December 31, 2007. Additional information about
        nonaccrual and past due loans is provided in &ldquo;Balance Sheet &ndash; Loans &ndash;
        Risk Elements&rdquo;</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The ratio of the allowance for loan losses to loans net of unearned income
        was 1.00% and 1.03% at December 31, 2007 and 2006, respectively. Management determined that
        it was prudent to make regular contributions to the provision for loan losses in 2007,
        because of the growth of the loan portfolio and because totals of nonperforming loans and
        loans past due 90 days or more increased from the historic lows of 2006. Loan growth
        slightly outpaced the amount of the provision, resulting in the three basis point decline
        in the ratio of the allowance for loan losses to net loans.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Although national economic trends were negative in the latter part of 2007,
        much of the Company&rsquo;s core market area has not been seriously affected by
        significantly higher foreclosure rates or other signs of a downturn. Management intends to
        make regular additions to the provision for loan losses in 2008 and to continue to closely
        monitor asset quality. Based upon its analysis of the allowance for loan losses and the
        stable net charge-off ratio, management believes that the ratio of the allowance for loan
        losses to net loans is prudent and appropriate.</font></p>

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

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Net interest income for the period ended December 31, 2007 was $29,024 a
        decrease of $313, or 1.1%, when compared to the prior year. Net interest income at December
        31, 2006 was $29,337, a decrease of $1,863, or 6%, from 2005. The net interest margin for
        2007 was 3.98%, compared to 4.13% for 2006. The net decrease in the net interest margin is
        attributed to funding costs that rose at a faster rate than revenues from interest earning
        assets.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The amount of net interest income earned is affected by various factors,
        including changes in market interest rates due to the Federal Reserve Board&rsquo;s
        monetary policy; the level and composition of the earning assets; and interest-bearing
        liabilities. The Company has the ability to respond to interest rate movements and reduce
        volatility in the net interest margin. However, the frequency and/or magnitude of changes
        in market interest rates are difficult to predict, and may have a greater impact on net
        interest income than adjustments by management.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Interest rates have declined recently, and it is anticipated that rates will
        continue to fall in the future which will have a positive effect. Offsetting the effect of
        declining interest rates are higher rate securities, which can be called when interest
        rates fall, so that the issuer can re-finance its debt at a lower rate.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The primary source of funds used to support the Company&rsquo;s
        interest-earning assets is deposits. Deposits are obtained in the Company&rsquo;s trade
        area through traditional marketing techniques. Other funding sources, such as the Federal
        Home Loan Bank, while available, are only occasionally used. The cost of funds is dependent
        on interest rate levels and competitive factors. This limits the ability of the Company to
        react to interest rate movements.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Overall, management expects gradual improvement in the net interest margin,
        provided that interest rates continue to trend downward or remain flat.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">13</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">Analysis of Net Interest Earnings</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">The following table shows the major categories of interest-earning assets
        and interest-bearing liabilities, the interest earned or paid, the average yield or rate on
        the daily average balance outstanding, net interest income and net yield on average
        interest-earning assets for the years indicated.</font></p>

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

        <div align="center">
            <table style="BACKGROUND: white; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="125">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="125">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">($ in thousands)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <b><font size="1">Average</font></b><br>
                        <b><font size="1">Balance</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <br>
                        <b><font size="1">Interest</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Average</font></b><br>
                        <b><font size="1">Yield/</font></b><br>
                        <b><font size="1">Rate</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <b><font size="1">Average</font></b><br>
                        <b><font size="1">Balance</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <br>
                        <b><font size="1">Interest</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Average</font></b><br>
                        <b><font size="1">Yield/</font></b><br>
                        <b><font size="1">Rate</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <b><font size="1">Average</font></b><br>
                        <b><font size="1">Balance</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <br>
                        <b><font size="1">Interest</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="47">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Average</font></b><br>
                        <b><font size="1">Yield/</font></b><br>
                        <b><font size="1">Rate</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="125">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Interest-earning assets:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="47">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="125">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans, net (1)(2)(3)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">510,772</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">37,549</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">7.35</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">494,495</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">35,134</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7.11</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">492,760</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">33,400</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="47">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.78</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="125">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Taxable securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">152,422</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">7,476</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">4.90</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">152,715</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,462</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.89</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">135,347</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6,501</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="47">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.80</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="125">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Nontaxable securities (1)(4)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">131,864</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">8,233</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">6.24</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">119,931</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,502</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.25</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">125,683</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,960</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="47">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.33</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="125">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest bearing deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">14,180</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">726</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5.12</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">13,457</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">684</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.08</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">14,819</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">508</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="47">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3.43</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="125">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total interest-earning assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">809,238</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">53,984</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">6.67</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">780,598</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">50,782</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.51</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">768,609</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">48,369</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="47">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.29</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="125">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest-bearing liabilities:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="47">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="125">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest-bearing demand deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">223,771</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">4,371</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1.95</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">221,927</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4,152</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1.87</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">204,522</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,675</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="47">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1.31</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="125">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Savings deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">46,943</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">237</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">0.50</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">51,745</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">259</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.50</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">57,836</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">261</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="47">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.45</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="125">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Time deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">379,089</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">17,102</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">4.51</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">358,422</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">14,127</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3.94</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">347,471</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11,221</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="47">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3.23</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="125">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Short-term borrowings</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">626</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">35</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5.59</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">420</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">26</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.19</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">705</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">23</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="47">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3.26</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="125">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total interest-bearing liabilities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">650,429</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">21,745</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3.34</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">632,514</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">18,564</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2.94</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">610,534</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">14,180</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="47">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2.32</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="125">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net interest income and interest rate spread</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">32,239</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3.33</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">32,218</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3.57</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">34,189</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="47">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3.97</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="125">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net yield on average interest-earning assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3.98</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.13</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="47">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.45</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: none transparent scroll repeat 0% 0%; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.56in; TEXT-INDENT: -0.56in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(1)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Interest on nontaxable loans and securities is computed on a
                        fully taxable equivalent basis using a Federal income tax rate of 35% in
                        the three years presented.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(2)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Loan fees of $851 in 2007, $798 in 2006 and $650 in 2005 are
                        included in total interest income.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(3)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Nonaccrual loans are included in average balances for yield
                        computations.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(4)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Daily averages are shown at amortized cost.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">14</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.06in; TEXT-ALIGN: justify">
        <b><font size="2">Analysis of Changes in Interest Income and Interest
        Expense</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">The Company&rsquo;s primary source of revenue is net interest income, which
        is the difference between the interest and fees earned on loans and investments and the
        interest paid on deposits and other funds. The Company&rsquo;s net interest income is
        affected by changes in the amount and mix of interest-earning assets and interest-bearing
        liabilities and by changes in yields earned on interest-earning assets and rates paid on
        interest-bearing liabilities. The following table sets forth, for the years indicated, a
        summary of the changes in interest income and interest expense resulting from changes in
        average asset and liability balances (volume) and changes in average interest rates
        (rate).</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="293">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -9pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007 Over 2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006 Over 2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="293">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -9pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Changes Due To</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Changes Due To</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="293">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -9pt; TEXT-ALIGN: center">
                        <br>
                        <b><font size="1">($ in thousands)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <b><font size="1">Rates(2)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <b><font size="1">Volume(2)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Net Dollar</font></b><br>
                        <b><font size="1">Change</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <b><font size="1">Rates(2)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <b><font size="1">Volume(2)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Net Dollar Change</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="293">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -9pt; TEXT-ALIGN: left">
                        <font size="2">Interest income:(1)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="40">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 31.5pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 33pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 33pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 42pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 33pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 30pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="293">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -9pt; TEXT-ALIGN: left">
                        <font size="2">Loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="40">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,239</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,176</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,415</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,616</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">118</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,734</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="293">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -9pt; TEXT-ALIGN: left">
                        <font size="2">Taxable securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="40">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">28</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(14</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">14</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">115</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">847</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">962</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="293">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -9pt; TEXT-ALIGN: left">
                        <font size="2">Nontaxable securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="40">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(14</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">745</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">731</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(97</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(361</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(459</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="293">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -9pt; TEXT-ALIGN: left">
                        <font size="2">Interest-bearing deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="40">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">37</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">42</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">226</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(50</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">176</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="293">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -9pt; TEXT-ALIGN: left">
                        <font size="2">Increase (decrease) in income on interest-earning
                        assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="40">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,258</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,944</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,202</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,859</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">554</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,413</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="293">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -9pt; TEXT-ALIGN: left">
                        <font size="2">Interest expense:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="40">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 33pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 30pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="293">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -9pt; TEXT-ALIGN: left">
                        <font size="2">Interest-bearing demand deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="40">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">184</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">35</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">219</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,233</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">244</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,477</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="293">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -9pt; TEXT-ALIGN: left">
                        <font size="2">Savings deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="40">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(24</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(22</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">27</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(29</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(2</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="293">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -9pt; TEXT-ALIGN: left">
                        <font size="2">Time deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="40">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,127</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">848</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,975</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,543</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">363</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,906</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="293">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -9pt; TEXT-ALIGN: left">
                        <font size="2">Short-term borrowings</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="40">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(3</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">9</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">15</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(12</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="293">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -9pt; TEXT-ALIGN: left">
                        <font size="2">Increase (decrease) in expense of interest- bearing
                        liabilities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="40">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,310</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">871</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,181</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,818</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">566</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4,384</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="293">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 13.5pt; TEXT-INDENT: -9pt; TEXT-ALIGN: left">
                        <font size="2">Increase (decrease) in net interest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="40">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,052</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,073</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,959</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">(12</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 24.75pt; TEXT-INDENT: -24.75pt; TEXT-ALIGN: right">
                        <font size="2">(1,971</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.56in; TEXT-INDENT: -0.56in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="503" border="0">
                <tr>
                    <td valign="top" nowrap width="23">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">(1)</font></p>
                    </td>

                    <td valign="top" nowrap width="480">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Taxable equivalent basis using a Federal income tax rate of
                        35% in 2007, 2006 and 2005.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(2)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Variances caused by the change in rate times the change in
                        volume have been allocated to rate and volume changes proportional to the
                        relationship of the absolute dollar amounts of the change in
                        each.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">15</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">Interest
        Rate Sensitivity</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">The Company considers interest rate risk to be a significant market risk and
        has systems in place to measure the exposure of net interest income and fair market values
        to movement in interest rates. Among the tools available to management is interest rate
        sensitivity analysis, which provides information related to repricing opportunities.
        Interest rate shock simulations indicate potential economic loss due to future interest
        rate changes. Shock analysis is a test that measures the effect of a hypothetical,
        immediate and parallel shift in interest rates. The following table shows the results of a
        rate shock and the effects on net income and return on average assets and return on average
        equity projected at December 31, 2007 and 2006. For purposes of this analysis, noninterest
        income and expenses are assumed to be flat.</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" colspan="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="1">($ in thousands, except for percent data)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="167">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Rate Shift (bp)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" colspan="3">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Return on Average Assets</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" colspan="3">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Return on Average Equity</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="167">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="19">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="167">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 84.5pt; TEXT-INDENT: -80pt; TEXT-ALIGN: center">
                        <font size="2">300</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.21</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.64</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">10.24</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="19">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">14.62</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="167">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 84.5pt; TEXT-INDENT: -80pt; TEXT-ALIGN: center">
                        <font size="2">200</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.30</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.68</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11.01</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="19">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">15.03</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="167">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 84.5pt; TEXT-INDENT: -80pt; TEXT-ALIGN: center">
                        <font size="2">100</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.39</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.73</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11.77</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="19">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">15.44</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="167">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 84.5pt; TEXT-INDENT: -80pt; TEXT-ALIGN: center">
                        <font size="2">(-)100</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.56</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.80</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">13.20</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="19">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">16.11</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="167">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 84.5pt; TEXT-INDENT: -80pt; TEXT-ALIGN: center">
                        <font size="2">(-)200</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.60</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.81</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">13.54</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="19">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">16.18</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="167">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 84.5pt; TEXT-INDENT: -80pt; TEXT-ALIGN: center">
                        <font size="2">(-)300</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.60</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.82</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">13.52</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="19">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">16.24</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="167">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 84.5pt; TEXT-INDENT: -80pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="19">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">Simulation analysis is another tool available to the Company to test asset
        and liability management strategies under rising and falling rate conditions. As a part of
        the simulation process, certain estimates and assumptions must be made. These include, but
        are not limited to, asset growth, the mix of assets and liabilities, rate environment and
        local and national economic conditions. Asset growth and the mix of assets can, to a
        degree, be influenced by management. Other areas, such as the rate environment and economic
        factors, cannot be controlled. In addition, competitive pressures can make it difficult to
        price deposits and loans in a manner that optimally minimizes interest rate risk.
        Therefore, actual results may vary materially from any particular forecast or shock
        analysis. This shortcoming is offset somewhat by the periodic reforecasting of the balance
        sheet to reflect current trends and economic conditions. Shock analysis must also be
        updated periodically as a part of the asset and liability management process.</font></p>

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

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

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="238">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="238">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Service charges on deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="118">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,291</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,361</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,099</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="238">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other service charges and fees</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="118">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">330</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">370</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">347</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="238">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Credit card fees</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="118">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">2,740</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">2,396</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">2,179</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="238">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Trust fees</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="118">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,333</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,528</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,398</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="238">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="118">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">1,015</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,117</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">590</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="238">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Realized securities gains/losses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="118">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">51</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">30</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="238">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total noninterest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="118">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">8,760</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">8,802</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,613</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">Service charges on deposit accounts declined by $70, or 2.1%, from December
        31, 2006 to December 31, 2007. For 2006, service charges on deposits were $3,361, which was
        an increase of $262, or 8.5%, over year end 2005. This category of fees is impacted by the
        level of service charges, the number of deposit accounts and the volume of checking account
        overdrafts. In 2007, there were no changes in the schedule of service charges, the number
        of deposit accounts did not dramatically change and fees for checking account overdrafts
        declined from the prior year. The increase in 2006 resulted from increases in fees paid for
        checking account overdrafts and for checks returned because of insufficient
        funds.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">A variety of fees are included in the other service charges and fees
        category. Among them are fees for official checks, income from the sale of checks to
        customers, safe deposit box rent, fees for letters of credit and commission earned on the
        sale of credit life, accident and health insurance. At December 31, 2007, the total for
        other service charges and fees was $330, a decrease of $40 from the year ended December 31,
        2006. In 2006, other service charges and fees were $370, an increase of $23, or 6.6%, over
        2005. The 2007 decline was the result of small decreases in several types of fees, none of
        which is significant by itself. In 2006, $15 of the increase came from fees associated with
        letters of credit.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Credit card fees for 2007 grew by $344, or 14.4%. In 2006, that category was
        up by $217, or 10.0%. Internal growth, resulting in a higher volume of accounts,
        transactions and merchant transactions, caused the increase in 2007 and 2006 credit card
        fee income.</font></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="727" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="703">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">For the year ended December 31, 2007, trust fees were
                        $1,333, as compared with $1,528 in 2006 and $1,398 in 2005. Trust
                        fees</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">16</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">are
        generated from a number of different types of accounts, including estates, personal trusts,
        employee benefit trusts, investment management accounts, attorney-in-fact accounts and
        guardianships. Trust income varies depending upon the types of accounts under management
        and with market conditions. Trust account values are affected by financial market
        conditions, and this leads to fluctuations in trust income. The decline in 2007 was
        primarily accounted for by a $127 decline in estate management fees. The increase in trust
        fees for 2006 is attributable to both factors, the mix of account types and positive
        financial market performance.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Income that cannot be classified in another category is listed as other
        income. Net gains from the sales of fixed assets, rent from foreclosed properties, income
        from the increase in the cash value of life insurance and revenue from investment and
        insurance sales are examples of other income. The other income category at December 31,
        2007 was $1,015, a decrease of $102, or 9.1%, when compared with 2006. In 2007, the
        decrease in other income was due in large part to a reduction of $97 in investment services
        commissions. Of the $527 growth in other income in 2006, approximately $504 was
        attributable to increases in cash value associated with bank-owned life insurance policies
        that were purchased late in 2005 to fund a salary continuation plan for certain NBI and NBB
        officers.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">For 2007, realized gains in securities matured or sold were $51, an increase
        of 70% from the 2006 total of $30. This compares with no losses or gains in 2005. This
        category contains net gains and losses from securities called and matured, as well as
        equity adjustments in certain limited liability companies in which the Company has
        invested.</font></p>

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

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

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="265">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="265">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Salaries and employee benefits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="26">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">10,773</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11,466</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11,265</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="265">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Occupancy and furniture and fixtures</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="26">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">1,743</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,957</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,931</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="265">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Data processing and ATM</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="26">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">1,149</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,234</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,455</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="265">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Credit card processing</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="26">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">2,146</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,833</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,687</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="265">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Intangibles amortization</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="26">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">1,138</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,137</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,117</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="265">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net costs of other real estate owned</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="26">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">81</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">19</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">275</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="265">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other operating expenses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="26">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">3,926</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">4,024</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">4,168</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="265">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="26">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">20,956</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21,670</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21,898</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">When December 31, 2006 and December 31, 2007 are compared salary and
        benefits expense declined by $693, or 6.0%, to $10,773. In 2006, salary and benefits
        expense grew by $201, or 1.8%. The decline in 2007 was due to lower salary and benefits
        costs because of fewer employees and because of a decline in employee stock ownership plan
        expenses. The May 2006 merger of the Company&rsquo;s two bank subsidiaries, the National
        Bank of Blacksburg and Bank of Tazewell County, permitted consolidation of several
        operational functions, and the 2007 employee census declined from planned retirement and
        attrition. The increase in 2006 was primarily attributable to higher benefits expense,
        particularly pension expense and health insurance premiums, partially offset by a decrease
        in costs associated with the employee stock ownership plan.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Occupancy and furniture and fixtures expense was $1,743 at December 31,
        2007. This represents a decline of $214 from the $1,957 reported at year-end 2006. The 2006
        total was $26, or 1.4%, higher than the $1,931 at the same period in 2005. The 2007 decline
        is due to a drop of $50 in furniture and fixtures depreciation, and declines in utilities
        of $30, in insurance and taxes of $47, in furniture and fixtures expense of $39 and in
        automobile expense of $13.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Data processing and ATM expense was $1,149 in 2007, $1,234 in 2006 and
        $1,455 in 2005. For 2007, decreases in maintenance costs and supplies more than made up for
        a $104 increase in depreciation expense resulting from the purchase of check imaging
        equipment. This created the $85 drop from 2006 data processing and ATM expense. The $221,
        or 15.2%, decline from 2005 to 2006 came about largely because 2005 expenses included $199
        in additional costs attributable to the operation and conversion of a computer system that
        was part of a bank acquisition.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Credit card processing expense was $2,146 for the period ended December 31,
        2007, an increase of $313 over the 2006 total of $1,833. 2006 credit card processing
        expense increased $146, or 8.7%, over 2005. Expense increases in 2007, 2006 and 2005 came
        about because of higher volumes of credit card, debit card and merchant card accounts and
        transactions.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">From 2006 to 2007, there was a $1 increase in intangibles and goodwill
        expense. At the end of 2007, the total in this category was $1,138, as compared with $1,137
        in 2006 and $1,117 in 2005. This category of noninterest expense is related to
        acquisitions. There were no acquisitions in 2006 or 2007, and expenses remained nearly
        level. The increase between 2005 and 2006 reflects the fact that expenses related to 2005
        acquisitions were included for the full year.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">17</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Net costs of other real estate owned were $81 in 2007 and $19 in 2006. In
        2007 write-downs on other real estate owned were $7. Losses on sale of other real estate
        were $31, and other costs associated with carrying these properties were $43. The December
        31, 2005 total of net costs of other real estate owned was $275. This category of
        noninterest expense comes from the write-down and liquidation of foreclosed properties. The
        amount varies with the number of foreclosed properties disposed of during the
        year.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The category of other operating expenses includes non-interest expense items
        such as franchise taxes, stationery and supplies, telephone costs, postage and charitable
        donations. Other operating expenses at December 31, 2007 were $3,926. This reflects a
        decrease of $98, or 2.4%, from the 2006 total of $4,024. The 2006 total in turn declined
        $144, or 3.5%, from the 2005 year-end total of $4,168. The 2007 and 2006 declines are
        largely attributable to cost containment practices, with $34 of the 2007 decline coming
        from lower postage expense and $18 from a decrease in donations.</font></p>

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

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">Income tax expense for 2007 was $3,730 compared to $3,788 in 2006 and $3,924
        in 2005. Tax exempt income is the primary difference between expected and actual income tax
        expense. The Company&rsquo;s effective tax rates for 2007, 2006 and 2005 were 22.74%,
        23.07% and 24.00%, respectively. The Company is subject to the 35% marginal tax rate. See
        Note 10 of the Notes to Consolidated Financial Statements for addition information relating
        to income taxes.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">Effects of Inflation</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company&rsquo;s consolidated statements of income generally reflect the
        effects of inflation. Since interest rates, loan demand and deposit levels are related to
        inflation, the resulting changes are included in net income. The most significant item
        which does not reflect the effects of inflation is depreciation expense. Historical dollar
        values used to determine depreciation expense do not reflect the effects of inflation on
        the market value of depreciable assets after their acquisition.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">Provision and Allowance for Loan Losses</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The allowance for loan losses at December 31, 2007 was $5,219, a $62
        increase from the $5,157 total at year end 2006. The ratio of the allowance for loan losses
        to total loans at year-end in 2007, 2006 and 2005 was 1.00%, 1.03% and 1.11%, respectively.
        The net charge-off ratio at December 31, 2007 was 0.07%. At December 31, 2006, it was
        0.07%, and it was 0.17% at December 31, 2005.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company continuously monitors loan quality, and it regularly analyzes
        and evaluates the adequacy of the allowance for loan losses. The analysis of the allowance
        for loan losses includes calculations that are based on a mathematical formula that
        considers identified potential losses and that makes allocations to the allowance based
        upon historical losses in various loan categories. In addition, more subjective factors are
        considered in determining contributions to the allowance. These include such things as
        changes in the mix of categories of loans in the portfolio, the effects of internal loan
        policy changes, changes in business and economic conditions and the effects of competition
        and regulation on the loan portfolio. In 2007, management made regular contributions to the
        provision for loan losses as the size of the loan portfolio grew and because totals of
        nonperforming loans and loans past due 90 days or more increased from the historic low
        levels of 2006. Management believes that the level of the allowance for loan losses is
        appropriate and adequate.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">18</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
        <b><font size="2">Summary of Loan Loss Experience</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">A.</font></b></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <b><font size="2">Analysis of the Allowance for Loan Losses</font></b></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2">The following tabulation shows average loan balances at the end of each
        period; changes in the allowance for loan losses arising from loans charged off and
        recoveries on loans previously charged off by loan category; and additions to the allowance
        which have been charged to operating expense:</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="298">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">($ in thousands)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="298">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2004</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2003</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Average net loans outstanding</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">505,070</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">488,624</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">487,130</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">438,761</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">405,696</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Balance at beginning of year</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,157</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,449</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,729</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,369</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,092</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Charge-offs:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Commercial and industrial loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">101</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">373</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">533</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">241</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Real estate mortgage loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">66</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">50</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">120</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">299</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Real estate construction loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">64</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">24</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans to individuals</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">341</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">352</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">678</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">873</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,120</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 57.55pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total loans charged off</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">471</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">459</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,101</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,550</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,660</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Recoveries:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Commercial and industrial loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">18</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">29</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">55</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">104</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Real estate mortgage loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">2</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">35</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">31</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Real estate construction loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans to individuals</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">90</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">88</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">164</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">146</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">142</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 57.55pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total recoveries</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">110</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">118</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">254</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">223</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">246</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net loans charged off</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">361</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">341</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">847</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,327</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,414</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Additions charged to operations</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">423</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">49</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">567</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,189</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,691</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Acquisition of CNB</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">498</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Balance at end of year</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,219</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,157</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,449</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,729</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,369</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="298">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net charge-offs to average net loans outstanding</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="61">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">0.07</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.07</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.17</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.30</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.34</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2">Factors influencing management&rsquo;s judgment in determining the amount of
        the loan loss provision charged to operating expense include the quality of the loan
        portfolio as determined by management, the historical loan loss experience, diversification
        as to type of loans in the portfolio, the amount of secured as compared with unsecured
        loans and the value of underlying collateral, banking industry standards and averages, and
        general economic conditions.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">19</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: 0.25in; TEXT-ALIGN: justify">
        <b><font size="2">B.</font></b><font size="1">&nbsp;&nbsp;&nbsp;</font>
        <b><font size="2">Allocation of the Allowance for Loan Losses</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2">The allowance for loan losses has been allocated according to the amount
        deemed necessary to provide for anticipated losses within the categories of loans for the
        years indicated as follows:</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="723" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="3">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="3">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2004</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2003</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <br>
                        <b><font size="1">($ in thousands)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="3">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Allowance</font></b><br>
                        <b><font size="1">Amount</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Percent of</font></b><br>
                        <b><font size="1">Loans in Each</font></b><br>
                        <b><font size="1">Category to</font></b><br>
                        <b><font size="1">Total</font></b><br>
                        <b><font size="1">Loans</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Allowance</font></b><br>
                        <b><font size="1">Amount</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="63">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Percent of</font></b><br>
                        <b><font size="1">Loans in</font></b><br>
                        <b><font size="1">Each</font></b><br>
                        <b><font size="1">Category to</font></b><br>
                        <b><font size="1">Total</font></b><br>
                        <b><font size="1">Loans</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Allowance</font></b><br>
                        <b><font size="1">Amount</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Percent of</font></b><br>
                        <b><font size="1">Loans in</font></b><br>
                        <b><font size="1">Each</font></b><br>
                        <b><font size="1">Category to</font></b><br>
                        <b><font size="1">Total Loans</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Allowance</font></b><br>
                        <b><font size="1">Amount</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="58">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Percent of</font></b><br>
                        <b><font size="1">Loans in</font></b><br>
                        <b><font size="1">Each</font></b><br>
                        <b><font size="1">Category to</font></b><br>
                        <b><font size="1">Total</font></b><br>
                        <b><font size="1">Loans</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Allowance</font></b><br>
                        <b><font size="1">Amount</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Percent of</font></b><br>
                        <b><font size="1">Loans in</font></b><br>
                        <b><font size="1">Each</font></b><br>
                        <b><font size="1">Category to</font></b><br>
                        <b><font size="1">Total Loans</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 4.5pt; TEXT-INDENT: -1.5pt; TEXT-ALIGN: left">
                        <font size="2">Commercial</font><br>
                        <font size="2">and</font><br>
                        <font size="2">industrial</font><br>
                        <font size="2">loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="3">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="19">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,894</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">41.32</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,651</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="63">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">42.90</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,478</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">53.52</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="31">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,387</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="58">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">51.90</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,239</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">51.26</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 4.5pt; TEXT-INDENT: -1.5pt; TEXT-ALIGN: left">
                        <font size="2">Real estate</font><br>
                        <font size="2">mortgage</font><br>
                        <font size="2">loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="3">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="19">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">951</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">27.73</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">935</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="63">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">25.17</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,212</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">23.79</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="31">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">990</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="58">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">24.10</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">970</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21.56</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 4.5pt; TEXT-INDENT: -1.5pt; TEXT-ALIGN: left">
                        <font size="2">Real estate</font><br>
                        <font size="2">construction</font><br>
                        <font size="2">loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="3">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="19">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">396</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">8.90</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">342</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="63">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.75</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">420</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.50</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="31">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">359</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="58">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.22</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">125</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.88</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 4.5pt; TEXT-INDENT: -1.5pt; TEXT-ALIGN: left">
                        <font size="2">Loans to</font><br>
                        <font size="2">individuals</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="3">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="19">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,830</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">22.05</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,867</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="63">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">25.18</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,190</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">17.19</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="31">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,016</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="58">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">18.78</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,257</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">20.30</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="81">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 4.5pt; TEXT-INDENT: -1.5pt; TEXT-ALIGN: left">
                        <font size="2">Unallocated</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="3">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="19">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">148</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">362</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="63">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">149</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="31">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">977</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="58">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">778</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="81">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="3">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="19">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,219</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">100.00</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,157</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="63">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">100.0</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,449</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">100.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="31">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,729</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="58">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">100.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,369</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="55">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">100.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">20</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">On December 31, 2007, the Company had total assets of $887,647, an increase
        of $19,444 or 2.2% over the total of $868,203 on December 31, 2006. For 2006, the growth in
        assets was entirely internally generated. Total assets at December 31, 2006 were up by
        $26,705 or 3.2% over the 2005.</font></p>

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

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">A.</font></b></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <b><font size="2">Types of Loans</font></b></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="246">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2004</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2003</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Commercial and industrial loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="51">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">216,830</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">215,244</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">206,389</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">192,993</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">167,238</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Real estate mortgage loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="51">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">145,542</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">126,302</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">117,421</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">115,388</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">87,899</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Real estate construction loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="51">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">46,697</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">33,840</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">27,116</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">25,009</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">28,055</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans to individuals</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="51">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">115,704</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">126,316</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">142,598</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">145,419</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">124,501</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Total loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="51">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">524,773</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">501,702</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">493,524</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">478,809</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">407,693</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Less unearned income and deferred fees</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="51">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(1,119</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,059</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(913</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(881</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(896</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Total loans, net of unearned income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="51">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">523,654</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">500,643</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">492,611</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">477,928</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">406,797</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Less allowance for loans losses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="51">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(5,219</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(5,157</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(5,449</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(5,729</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(5,369</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Total loans, net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="51">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">518,435</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">495,486</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">487,162</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">472,199</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">401,428</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">B.</font></b></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <b><font size="2">Maturities and Interest Rate Sensitivities</font></b></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="285">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="285">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">&lt; 1 Year</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">1 &ndash; 5 Years</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">After 5 Years</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Total</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="285">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Commercial and industrial</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="98">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">95,226</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="71">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">104,708</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">16,896</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">216,830</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="285">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Real estate construction</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="98">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">43,654</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="71">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">2,657</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">386</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">46,697</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="285">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="98">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">138,880</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="71">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">107,365</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">17,282</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">263,527</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="285">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Less loans with predetermined interest rates</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="98">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">32,983</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="71">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">13,786</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">9,593</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">56,362</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="285">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans with adjustable rates</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="98">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">105,897</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="71">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">93,579</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">7,689</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">207,165</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: -0.12in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="147" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <b><font size="2">C.</font></b></p>
                    </td>

                    <td valign="top" nowrap width="99">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <b><font size="2">Risk Elements</font></b></p>
                    </td>
                </tr>
            </table>
        </div>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="309" border="0">
                <tr>
                    <td valign="top" nowrap width="48">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="261">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Nonaccrual, Past Due and Restructured Loans.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2">The following table presents aggregate amounts for nonaccrual loans,
        restructured loans, other real estate owned net, and accruing loans which are contractually
        past due ninety days or more as to interest or principal payments.</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="261">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December</font> <font size="1">31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="261">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2004</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2003</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="261">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Nonaccrual loans:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="261">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Commercial and industrial</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,144</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">171</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">354</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">302</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="261">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Real estate mortgage</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">40</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">44</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="261">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Loans to individuals</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">6</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">7</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">8</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="261">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total nonperforming loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,150</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">178</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">394</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">354</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="261">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other real estate owned, net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">263</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">390</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">376</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">895</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,663</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="261">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total nonperforming assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,413</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">390</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">554</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,289</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,017</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="261">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Accruing loans past due 90 days or more:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="261">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Commercial and industrial</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">984</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">338</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">142</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">321</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">98</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="261">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Real estate mortgage</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">55</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">274</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">247</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">258</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">619</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="261">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Loans to individuals</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">142</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">69</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">157</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">175</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">214</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="261">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,181</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">681</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">546</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">754</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">931</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">21</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">Loan loss
        and other industry indicators related to asset quality are presented in the Loan Loss Data
        table.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">Loan
        Loss Data Table</font></b></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="330">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="330">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Provision for loan losses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">423</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="104">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">49</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="101">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">567</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="330">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net charge-offs to average net loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">0.07</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="104">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">0.07</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="101">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">0.17</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="330">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Allowance for loan losses to loans, net of
                        unearned</font><br>
                        <font size="2">income and deferred fees</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">1.00</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="104">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1.03</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="101">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1.11</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="330">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Allowance for loan losses to nonperforming loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">453.83</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="104">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="101">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,061.24</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="330">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Allowance for loan losses to nonperforming assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">369.36</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="104">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,322.31</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="101">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">983.57</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="330">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Nonperforming assets to loans, net of unearned
                        income</font><br>
                        <font size="2">and deferred fees, plus other real estate owned</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">0.07</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="104">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">0.08</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="101">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">0.11</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="330">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Nonaccrual loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,150</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="104">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="101">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">178</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="330">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Restructured loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="104">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="101">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="330">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other real estate owned, net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">263</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="104">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">390</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="101">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">376</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="330">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total nonperforming assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,413</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="104">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">390</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="101">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">554</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="330">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Accruing loans past due 90 days or more</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,181</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="104">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">681</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="101">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">546</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.06in; TEXT-ALIGN: left">
        <font size="2">Note: Nonperforming loans include nonaccrual loans and restructured loans,
        but do not include accruing loans 90 days or more past due.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.06in; TEXT-INDENT: 0.15in; TEXT-ALIGN: left">
        <font size="2">At December 31, 2007, there was one loan of approximately $1.5 million,
        which the Company considered to be a potential problem loan. Prior to the issuance of these
        financial statements, there was a foreclosure sale of the loan collateral. We anticipate
        that the sale of the collateral will close early in 2008, with minimal loss to
        NBB.</font></p>

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

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Securities available for sale were $158,594 at December 31, 2007, compared
        with $169,735 at December 31, 2006 and $162,833 at December 31, 2005. This represents a
        decrease of $11,141, or 6.6%, from 2006 to 2007 and an increase of $6,902, or 4.2%, from
        2005 to 2006. During 2007, the fair market value of securities available for sale had net
        unrealized gains of $1,612, and in 2006 there was $246 in net unrealized loss.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Securities held to maturity totaled $114,749 at year-end 2007, a decline of
        $1,005, or 0.87%, when compared to December 31, 2006. In 2006, there was $115,754 in
        securities held to maturity, which was an increase of $6,046, or 5.5%, over year-end 2005.
        During 2006, the Company sold $799 in securities held to maturity, which were mortgage
        backed securities that had been substantially paid down.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Recently there has been considerable volatility in the stock and bond
        markets and uncertainty in the economy because of problems relating to sub-prime lending
        practices. The Company has never engaged in sub-prime lending, but the effects of these
        problems could impact the Company&rsquo;s investment portfolio in two ways. First, the
        portfolio includes corporate bonds issued by companies that are directly involved in the
        sub-prime lending problem. If these issues were to default, there could be a delay in the
        payment of interest or principal, or there could be a loss of bond principal. Second, the
        Company has a large number of municipal bonds in its investment portfolio. Recently some
        companies insuring municipal bonds have experienced difficulty because they also insured
        securities backed by sub-prime mortgages. If the insurers are not able to fulfill their
        obligations with regard to municipal bonds, the quality rating of these bonds could be
        downgraded, and they could drop in market value.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">At present, these are only hypothetical risks. There has been no default on
        any investment in the Company&rsquo;s portfolio, and it has no knowledge of any impending
        default. Management regularly monitors the credit quality of the investment portfolio. It
        is closely following the unfolding sub-prime lending crisis and the problems that it could
        bring in the future.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">22</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="54">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 102.6%; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="16">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 102.6%; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 102.6%; TEXT-ALIGN: justify">
                        <b><font size="2">Maturities and Associated Yields</font></b></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.56in; TEXT-INDENT: -0.56in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: left">
        <font size="2">The following table presents the maturities for securities available for
        sale and held to maturity at their carrying values as of December 31, 2007 and weighted
        average yield for each range of maturities.</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="719" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Maturities and Yields</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="277">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">($ in thousands except for % data)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="277">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">&lt; 1 Year</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">1-5 Years</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">5-10 Years</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">&gt; 10 Years</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">None</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Total</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Available for Sale:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 33.75pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">U.S. Treasury</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">994</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,077</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,071</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2.65</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3.97</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3.54</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">U.S. Government agencies</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,002</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">8,807</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,046</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,000</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">15,855</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.77</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.40</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.77</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.64</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Mortgage-backed securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">30</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4,423</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">10,863</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">10,941</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">26,259</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3.39</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.59</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.89</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.22</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.98</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">States and political subdivision - taxable</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">55</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,661</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,727</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,443</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.88</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.31</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.74</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.05</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">States and political subdivision &ndash; nontaxable
                        (1)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">195</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">27,594</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">36,910</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">9,309</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">74,009</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.91</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.63</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.82</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.60</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.72</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Corporate</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,368</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">14,612</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11,918</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">31,898</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3.30</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.54</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.75</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.41</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Federal Home Loan Bank stock</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,659</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,659</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Federal Reserve Bank stock</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">92</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">92</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">911</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,397</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,308</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.61</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.84</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2.93</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">9,561</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">58,091</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">66,541</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21,250</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,151</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">158,594</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3.98</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.37</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.42</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.15</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.13</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Held to Maturity:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">U.S. Treasury</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">U.S. Government agencies</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">20,643</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">9,989</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,999</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">33,631</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.33</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.31</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.04</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.77</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Mortgage-backed securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,079</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,079</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.54</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.54</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">States and political subdivision - taxable</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,000</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,000</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.32</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.32</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">States and political subdivision &ndash; nontaxable
                        (1)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">400</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21,279</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">25,782</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">14,475</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">61,936</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.70</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.03</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.94</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.66</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.91</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Corporate</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,098</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6,331</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,671</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,000</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">15,103</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.26</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.47</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.61</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.03</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.36</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,498</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">48,256</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">41,442</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21,553</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">114,749</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="41">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.31</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="27">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.23</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.64</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="22">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.64</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.49</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.56in; TEXT-INDENT: -0.56in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0.56in; TEXT-INDENT: -0.56in; LINE-HEIGHT: 95.83%; TEXT-ALIGN: justify">
        <font size="2">(1) Rates shown represent weighted average yield on a fully taxable
        basis.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.02in; TEXT-ALIGN: justify">
        <font size="2">The majority of mortgage-backed securities and collateralized mortgage
        obligations held at December 31, 2007 were backed by U.S. agencies. Certain holdings are
        required to be periodically subjected to the Financial Institution Examination
        Council&rsquo;s (FFIEC) high risk mortgage security test. These tests address possible
        fluctuations in the average life and variances caused by the change in rate times the
        change in volume have been allocated to rate and volume changes proportional to the
        relationship of the absolute dollar amounts of the change in each. Except for U.S.
        Government securities, the Company has no securities with any issuer</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>
        &nbsp;

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">23</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: justify">
        <font size="2">that exceeds 10% of stockholders&rsquo; equity.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
        <b><font size="2">Deposits</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Total deposits at December 31, 2007 were $776,339, an increase of $11,647 or
        1.5% when compared with total deposits of $764,692 at the end of 2006. From December 31,
        2005, when total deposits were $745,649, to December 31, 2006, total deposits increased
        $19,043 or 2.6%. The increases in total deposits in 2007 and in 2006 were generated
        internally.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.12in; TEXT-INDENT: -0.12in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="365" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <b><font size="2">A.</font></b></p>
                    </td>

                    <td valign="top" nowrap width="317">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <b><font size="2">Average Amounts of Deposits and Average Rates
                        Paid</font></b></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2">Average amounts and average rates paid on deposit categories are presented
        below:</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="237">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December</font> <font size="1">31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="237">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <br>
                        <b><font size="1">($ in thousands)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <b><font size="1">Average</font></b><br>
                        <b><font size="1">Amounts</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Average</font></b><br>
                        <b><font size="1">Rates</font></b><br>
                        <b><font size="1">Paid</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <b><font size="1">Average</font></b><br>
                        <b><font size="1">Amounts</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Average</font></b><br>
                        <b><font size="1">Rates</font></b><br>
                        <b><font size="1">Paid</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <b><font size="1">Average</font></b><br>
                        <b><font size="1">Amounts</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Average</font></b><br>
                        <b><font size="1">Rates</font></b><br>
                        <b><font size="1">Paid</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Noninterest-bearing demand deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">108,854</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">108,977</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">114,186</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest-bearing demand deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">223,771</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1.95</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">221,927</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.87</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">204,522</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.31</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Savings deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">46,943</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">0.50</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">51,745</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.50</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">57,836</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.45</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Time deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">379,089</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">4.51</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">358,422</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3.94</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">347,471</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3.23</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 18.65pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Average total deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">758,657</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3.34</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">741,071</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2.93</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="50">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">724,015</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2.32</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="260" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <b><font size="2">B.</font></b></p>
                    </td>

                    <td valign="top" nowrap width="212">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <b><font size="2">Time Deposits of $100,000 or More</font></b></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="593" border="0">
                <tr>
                    <td valign="top" nowrap width="48">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="545">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The following table sets forth time certificates of deposit
                        and other time deposits of $100,000 or more:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="153">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December</font> <font size="1">31,</font>
                        <font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="153">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">($ in thousands)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">3 Months or Less</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Over 3 Months Through 6 Months</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Over 6 Months</font></b></p>

                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Through 12 Months</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Over 12 Months</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Total</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="153">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total time deposits of $100,000 or more</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">25,091</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">52,907</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">30,054</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">31,327</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">139,379</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td width="153">
                    </td>

                    <td width="10">
                    </td>

                    <td width="16">
                    </td>

                    <td width="70">
                    </td>

                    <td width="10">
                    </td>

                    <td width="16">
                    </td>

                    <td width="84">
                    </td>

                    <td width="18">
                    </td>

                    <td width="18">
                    </td>

                    <td width="96">
                    </td>

                    <td width="18">
                    </td>

                    <td width="18">
                    </td>

                    <td width="84">
                    </td>

                    <td width="12">
                    </td>

                    <td width="18">
                    </td>

                    <td width="66">
                    </td>

                    <td width="12">
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">
        <b><font size="2">Derivatives and Market Risk Exposures</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company is not a party to derivative financial instruments with
        off-balance sheet risks such as futures, forwards, swaps, and options. The Company is a
        party to financial instruments with off-balance sheet risks such as commitments to extend
        credit, standby letters of credit, and recourse obligations in the normal course of
        business to meet the financing needs of its customers. See Note 14, of Notes to
        Consolidated Financial Statements for additional information relating to financial
        instruments with off-balance sheet risk. Management does not plan any future involvement in
        high risk derivative products. The Company has investments in mortgage-backed securities,
        principally GNMA&rsquo;s and FNMA&rsquo;s, with a fair value of approximately $28,350. The
        Company had no structured notes as of December 31, 2007. See Note 3 of Notes to
        Consolidated Financial Statements for additional information relating to
        securities.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company&rsquo;s securities and loans are subject to credit and interest
        rate risk, and its deposits are subject to interest rate risk. Management considers credit
        risk when a loan is granted and monitors credit risk after the loan is granted. The Company
        maintains an allowance for loan losses to absorb losses in the collection of its loans. See
        Note 5 of Notes to Consolidated Financial Statements for information relating to the
        allowance for loan losses. See Note 15 of Notes to Consolidated Financial Statements for
        information relating to concentrations of credit risk. The Company has an asset/liability
        program to manage its interest rate risk. This program provides management with information
        related to the rate sensitivity of certain assets and liabilities and the effect of
        changing rates on profitability and capital accounts.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The effects of changing interest rates are primarily managed through
        adjustments to the loan portfolio and deposit base, to the extent competitive factors
        allow. The investment portfolio is generally longer term. Adjustments for asset and
        liability management concerns are addressed when securities are called or mature and funds
        are subsequently reinvested. Historically, sales of securities have occurred for reasons
        related to credit quality or regulatory limitations. Few, if any, securities available for
        sale have been disposed of for the express purpose of managing interest rate
        risk.</font></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="605" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="581">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">No trading activity for this purpose is planned for the
                        foreseeable future, though it does remain an option.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">While this planning process is designed to protect the Company over the
        long-term, it does not provide near-term protection from interest rate shocks, as interest
        rate sensitive assets and liabilities do not, by their nature, move up or down in tandem in
        response to</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">24</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">changes
        in the overall rate environment. The Company&rsquo;s profitability in the near term may be
        temporarily affected either positively by a falling interest rate scenario or negatively by
        a period of rising rates. See Note 16 of Notes to Consolidated Financial Statements for
        information relating to fair value of financial instruments and comments concerning
        interest rate sensitivity.</font></p>

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

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Liquidity measures the Company&rsquo;s ability to provide sufficient cash
        flow to meet its financial commitments, to fund additional loan demand and to handle
        withdrawals of existing deposits. Sources of liquidity include deposits, loan principal and
        interest repayments, sales, calls and maturities of securities and short-term borrowing.
        The Company also has a line of credit with the Federal Home Loan Bank and with a
        correspondent bank, and it may borrow from the Federal Reserve Bank&rsquo;s discount window
        to provide liquidity. The Company maintained an adequate level of liquidity during 2007,
        2006 and 2005.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Net cash provided by operating activities was $15,528 for the year ended
        December 31, 2007. This compares to $14,121 and $15,461 at year-end 2006 and 2005,
        respectively.</font></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="621" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="597">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Net cash used in investing activities was $20,102 for 2007,
                        and it was $31,543 in 2006 and $20,036 in 2005.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="613" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="589">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">There were no acquisitions in 2007 or 2006. In 2005, the
                        Company obtained $13,178 through acquisitions.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Net cash provided by financing activities was $5,615 for the period ended
        December 31, 2007. For the period ended December 31, 2006, net cash provided by financing
        activities was $12,590, and at the same period in 2005 it was $12,197.</font></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="716" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="692">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Management is unaware of any commitment that would have a
                        material and adverse effect on liquidity at December 31, 2007.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">Recent Accounting Pronouncements</font></b></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="691" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="667">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">See Note 1 of Notes to Consolidated Financial Statements for
                        information relating to recent accounting pronouncements.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Total stockholders&rsquo; equity at December 31, 2007 was $104,800, an
        increase of $8,045 from December 31, 2006. Earnings of $12,675, less dividends to
        stockholders of $5,298 were the two largest factors in determining stockholders&rsquo;
        equity. The Company repurchased stock totaling $923 in 2007, and there were $198 in stock
        options that were exercised. The Tier I and Tier II risk-based capital ratio at December
        31, 2007 were 14.8% and 15.7%, respectively. The Company has other available sources of
        liquidity. They include lines of credit with a correspondent bank, advances from the
        Federal Home Loan Bank, and Federal Reserve Bank discount window borrowings.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Total stockholders&rsquo; equity grew by $4,816 from December 31, 2005 to
        December 31, 2006. Earnings, net of the change in unrealized gains and losses for
        securities available for sale and dividends paid, accounted for most of the increase. Stock
        options exercised provided $122. During 2006 the Company repurchased common stock totaling
        $1,183. The Tier I and Tier II risk-based capital ratios at December 31, 2006 were 14.2%
        and 15.0% respectively.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">Off-Balance Sheet Arrangements</font></b></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="467" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="443">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The Company&rsquo;s off-balance sheet arrangements are
                        detailed in the table below.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="231">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Payments</font> <font size="1">Due</font>
                        <font size="1">by</font> <font size="1">Period</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="231">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Total</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="86">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Less Than 1 Year</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">1-3 Years</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">3-5 Years</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="95">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">More Than 5 Years</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Commitments to extend credit</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="26">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="92">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">81,685</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="86">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">81,685</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="95">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Standby letters of credit</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="26">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="92">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11,030</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="86">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11,030</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="95">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Mortgage loans with potential recourse</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="26">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="92">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">20,368</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="86">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">20,368</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="95">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Commitments to invest in LLC&rsquo;s</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="26">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="92">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">885</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="86">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">885</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="95">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Operating leases</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="26">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="92">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">712</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="86">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">221</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">290</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">81</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="95">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">120</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Total</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="26">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="92">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">114,680</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="86">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">114,189</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">290</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="49">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">81</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="95">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">120</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In the normal course of business the Company&rsquo;s banking affiliate
        extends lines of credit to its customers. Amounts drawn upon these lines vary at any given
        time depending on the business needs of the customers.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Standby letters of credit are also issued to the bank&rsquo;s customers.
        There are two types of standby letters of credit. The first is a guarantee of payment to
        facilitate customer purchases. The second type is a performance letter of credit that
        guarantees a payment if the customer fails to perform a specific obligation. Revenue from
        these letters was approximately $41 in 2007.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">While it would be possible for customers to draw in full on approved lines
        of credit and letters of credit, historically this has not occurred. In the event of a
        sudden and substantial draw on these lines, the Company has its own lines of credit on
        which it can draw funds. A sale of loans would also be an option.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">25</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="711" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="687">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The Company sells mortgages on the secondary market for
                        which there are recourse agreements should the borrower default.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="475" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="451">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Operating leases are for buildings used in the
                        Company&rsquo;s day-to-day operations.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <u><b><font size="2"><a name="item_7a"></a>Item 7A. Quantitative and Qualitative
        Disclosures About Market Risk</font></b></u></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">Information about market risk is set forth above in the &ldquo;Interest Rate
        Sensitivity&rdquo; and &ldquo;Derivatives and Market Risk Exposure&rdquo; sections of the
        Management&rsquo;s Discussion and Analysis.</font></p>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">26</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <u><b><font size="2"><a name="item_8"></a>Item 8. Financial Statements and Supplementary
        Data</font></b></u></p>

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

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="550">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December</font> <font size="1">31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="550">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="1">$ in thousands, except share data.</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Assets</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Cash and due from banks</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">16,324</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">15,283</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest-bearing deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">29,687</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">19,617</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Securities available for sale, at fair value</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">158,594</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">169,735</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 18.15pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Securities held to maturity (fair value approximates 115,463
                        at December 31, 2007 and $115,561 at</font><br>
                        <font size="2">December 31, 2006)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">114,749</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">115,754</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Mortgage loans held for sale</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">220</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">808</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 53pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Real estate construction loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">46,697</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">33,840</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 53pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Real estate mortgage loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">145,542</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">126,302</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 53pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Commercial and industrial loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">216,830</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">215,244</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 53pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans to individuals</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">115,704</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">126,316</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 85pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">524,773</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">501,702</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 53pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Less unearned income and deferred fees</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(1,119</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,059</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 53pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans, net of unearned income and deferred fees</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">523,654</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">500,643</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 53pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Less allowance for loan losses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(5,219</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(5,157</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 89pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans, net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">518,435</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">495,486</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Premises and equipment, net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">12,016</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">12,702</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Accrued interest receivable</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,711</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">5,682</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other real estate owned, net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">263</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">390</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Intangible assets and goodwill</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">14,838</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">15,976</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">16,810</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">16,770</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 89pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">887,647</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">868,203</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Liabilities and Stockholders&rsquo; Equity</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Noninterest-bearing demand deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">113,361</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">101,167</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest-bearing demand deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">237,772</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">233,023</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Saving deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">44,349</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">47,988</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Time deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">380,857</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">382,514</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.75in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">776,339</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">764,692</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other borrowed funds</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">64</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">73</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Accrued interest payable</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">792</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">863</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other liabilities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,652</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">5,820</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.75in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total liabilities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">782,847</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">771,448</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Commitments and contingencies</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Stockholders&rsquo; equity:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.75in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Preferred stock, no par value, 5,000,000 shares authorized;
                        none issued and outstanding</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.75in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Common stock of $1.25 par value. Authorized 10,000,000
                        shares; issued and outstanding, 6,952,274 shares &ndash; 2007, and
                        6,980,234 &ndash; 2006</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">8,690</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">8,725</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.75in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Retained earnings</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">97,810</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">91,123</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.75in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Accumulated other comprehensive (loss), net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(1,700</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(3,093</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 114pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total stockholders&rsquo; equity</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">104,800</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">96,755</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="550">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 114pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total liabilities and stockholders&rsquo; equity</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">887,647</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">868,203</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">The
        accompanying notes are an integral part of these consolidated financial
        statements.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">27</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="710" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="359">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Years</font> <font size="1">ended</font>
                        <font size="1">December</font> <font size="1">31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="359">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="1">$ in thousands, except per share data.</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Interest Income</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest and fees on loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">37,265</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">34,879</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">33,234</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest on interest-bearing deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">726</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">684</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">508</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest on securities &ndash; taxable</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">7,476</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,462</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6,501</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest on securities &ndash; nontaxable</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,302</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4,876</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,137</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 58pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total interest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">50,769</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">47,901</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">45,380</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Interest Expense</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest on time deposits of $100,000 or more</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">6,519</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">4,912</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">3,942</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest on other deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">15,191</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">13,626</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">10,215</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest on borrowed funds</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">35</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">26</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">23</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 58pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total interest expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">21,745</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">18,564</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">14,180</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 58pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net interest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">29,024</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">29,337</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">31,200</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Provision for loan losses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">423</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">49</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">567</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 58pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net interest income after provision for loan
                        losses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">28,601</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">29,288</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">30,633</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Noninterest Income</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Service charges on deposit accounts</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">3,291</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">3,361</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">3,099</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other service charges and fees</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">330</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">370</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">347</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Credit card fees</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">2,740</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,396</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,179</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Trust income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,333</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,528</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,398</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,015</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,117</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">590</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Realized securities gains, net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">51</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">30</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 58pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total noninterest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">8,760</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">8,802</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">7,613</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Noninterest Expense</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Salaries and employee benefits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">10,773</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">11,466</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">11,265</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Occupancy and furniture and fixtures</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,743</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,957</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,931</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Data processing and ATM</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,149</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,234</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,455</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Credit card processing</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">2,146</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,833</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,687</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Intangible assets amortization</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,138</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,137</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,117</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net costs of other real estate owned</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">81</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">19</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">275</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other operating expenses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,926</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4,024</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4,168</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 58pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total noninterest expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">20,956</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21,670</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21,898</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Income before income taxes</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">16,405</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">16,420</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">16,348</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Income tax expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,730</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,788</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,924</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 58pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">12,675</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,632</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,424</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 53pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Basic net income per share</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1.82</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.80</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.77</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="359">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 53pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Fully diluted net income per share</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1.82</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.80</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="78">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1.76</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">The
        accompanying notes are an integral part of these consolidated financial
        statements.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">28</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">
        <b><font size="2">Consolidated Statements of Changes in Stockholders&rsquo;
        Equity</font></b></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="237">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="1">$ in thousands, except per share data.</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Common Stock</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Retained Earnings</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Accumulated Other Comprehensive Income
                        (Loss)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Comprehensive Income</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Total</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Balance at December 31, 2004</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">8,797</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">77,735</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">556</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">87,088</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">12,424</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,424</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">12,424</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other comprehensive loss:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Unrealized holding losses on available for sale securities
                        net of deferred taxes of ($1,026)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,906</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Reclassification adjustment, net of income taxes of
                        ($66)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(123</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Minimum pension liability adjustment net of deferred taxes
                        of $14</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">27</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other comprehensive loss, net of tax of ($1,078)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(2,002</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(2,002</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(2,002</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total comprehensive income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">10,422</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Cash dividends ($0.71 per share)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(4,991</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(4,991</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Exercise of stock options</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">17</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">147</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">164</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Common stock repurchased</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(39</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(705</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(744</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Balance at December 31, 2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">8,775</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">84,610</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,446</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">91,939</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">12,632</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,632</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">12,632</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other comprehensive income:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Unrealized holding gains on available for sale securities
                        net of gains deferred taxes of $83</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">153</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Reclassification adjustment, net of income taxes of
                        $3</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">6</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other comprehensive income, net of tax of ($86)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">159</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">159</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">159</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total comprehensive income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,791</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Adjustments to initially apply SFAS No. 158, net of deferred
                        taxes of $(973)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,806</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,806</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Cash dividend ($0.73 per share)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(5,108</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(5,108</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Exercise of stock options</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">13</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">109</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">122</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Common stock repurchased</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(63</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,120</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,183</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Balance at December 31, 2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">8,725</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">91,123</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(3,093</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">96,755</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">12,675</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,675</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,675</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other comprehensive income:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Unrealized holding gains on available for sale securities
                        net of deferred taxes of $582</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,081</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Reclassification adjustment, net of income taxes of
                        ($18)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">(33</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Minimum pension liability adjustment, net of deferred taxes
                        of $186</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">345</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other comprehensive income, net of tax of $750</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,393</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,393</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,393</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total comprehensive income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">14,068</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Cash dividend ($0.76 per share)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(5,298</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(5,298</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Exercise of stock options</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">21</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">177</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">198</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Common stock repurchased</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(56</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(867</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(923</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="237">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Balance at December 31, 2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="75">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">8,690</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">97,810</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(1,700</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="70">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">104,800</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">The
        accompanying notes are an integral part of these consolidated financial
        statements.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">29</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="425">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Years</font> <font size="1">Ended</font>
                        <font size="1">December</font> <font size="1">31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="1">$ in thousands.</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Cash Flows from Operating Activities</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">12,675</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,632</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,424</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Adjustment to reconcile net income to net cash provided by
                        operating activities:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 15pt; TEXT-ALIGN: left">
                        <font size="2">Provision for loan losses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">423</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">49</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">567</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 15pt; TEXT-ALIGN: left">
                        <font size="2">Deferred income tax expense (benefit)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">(144</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">249</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">69</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 15pt; TEXT-ALIGN: left">
                        <font size="2">Depreciation of premises and equipment</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">1,013</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">992</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,017</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 15pt; TEXT-ALIGN: left">
                        <font size="2">Amortization of intangibles</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">1,138</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,137</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,117</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 15pt; TEXT-ALIGN: left">
                        <font size="2">Amortization of premiums and accretion of discounts,
                        net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">237</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">255</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">395</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 15pt; TEXT-ALIGN: left">
                        <font size="2">(Gains) losses on sale and calls of securities available for
                        sale, net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">(51</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">8</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(189</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 17.25pt; TEXT-ALIGN: left">
                        <font size="2">(Gains) losses on calls of securities held to maturity,
                        net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(38</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">189</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 15pt; TEXT-ALIGN: left">
                        <font size="2">Losses and writedowns on other real estate owned</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">38</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">10</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">137</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 15pt; TEXT-ALIGN: left">
                        <font size="2">Originations of mortgage loans held for sale</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(19,780</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(19,830</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(16,912</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 15pt; TEXT-ALIGN: left">
                        <font size="2">Sales of mortgage loans held for sale</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">20,368</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">19,022</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">17,915</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 15pt; TEXT-ALIGN: left">
                        <font size="2">Gains (losses) on sale and disposal of fixed
                        assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(6</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(5</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">7</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 12.75pt; TEXT-ALIGN: left">
                        <font size="2">Net change in:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 70.1pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Accrued interest receivable</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(29</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(537</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(275</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 70.1pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(646</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(173</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,716</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 70.1pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Accrued interest payable</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">(71</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">138</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">242</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 70.1pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other liabilities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">363</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">212</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">474</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 57.1pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net cash provided by operating activities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">15,528</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">14,121</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">15,461</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 18.1pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 18.1pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Cash Flows from Investing Activities</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 18.1pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net change in interest-bearing deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(10,070</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(9,338</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">12,184</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Proceeds from repayments of mortgage-backed
                        securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">6,010</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">6,503</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">7,333</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 18.1pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Proceeds from sales of securities available for
                        sale</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,470</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">2,999</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Proceeds from calls and maturities of securities available
                        for sale</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">18,329</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">11,449</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">12,663</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Proceeds from calls and maturities of securities held to
                        maturity</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">12,015</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">9,428</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">13,379</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Proceeds from the sale of securities held to
                        maturity</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">799</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">3,312</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Purchases of securities available for sale</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(11,288</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(24,220</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(42,635</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Purchases of securities held to maturity</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(11,494</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(18,356</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(22,404</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Purchases of loan participations</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(3,250</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(2,232</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(3,715</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Collections of loan participations</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">4,435</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">3,802</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,361</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Acquisitions, net of cash received</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">13,178</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loan originations and principal collections, net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(24,965</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(10,085</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(4,764</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Purchase of bank owned life insurance</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(12,000</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Proceeds from disposal of other real estate owned</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">387</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">547</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Recoveries on loans charged off</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">110</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">118</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">254</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Additions to premises and equipment</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(341</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(887</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,748</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Proceeds from sale of premises and equipment</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">20</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">6</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">20</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 31pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Net cash used in investing activities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(20,102</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(31,543</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(20,036</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Cash Flows from Financing Activities</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net change in time deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">(1,657</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">29,426</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">7,492</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net change in other deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">13,304</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(10,383</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">10,216</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net change in other borrowed funds</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(9</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(284</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">60</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">30</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Cash dividends paid</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(5,298</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(5,108</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(4,991</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Common stock repurchased</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(923</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,183</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(744</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Stock options exercised</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">198</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">122</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">164</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 31pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Net cash provided by financing activities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">5,615</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">12,590</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">12,197</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net change in cash and due from banks</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,041</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(4,832</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">7,622</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Cash and due from banks at beginning of year</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">15,283</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">20,115</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">12,493</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Cash and due from banks at end of year</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">16,324</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">15,283</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">20,115</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Supplemental Disclosures of Cash Flow
                        Information</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest paid on deposits and borrowed funds</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">21,816</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">18,426</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">13,938</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Income taxes paid</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">3,740</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">3,371</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">4,127</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Supplemental Disclosures of Noncash
                        Activities</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans charged against the allowance for loan
                        losses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">471</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">459</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,101</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans transferred to other real estate owned</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">298</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">24</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">165</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Unrealized gain (loss) on securities available for
                        sale</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">1,612</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">246</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(3,125</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Minimum pension liability adjustment</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">531</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(2,779</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(41</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Transactions related to acquisitions:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Increase in assets and liabilities:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 31pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">8,831</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="425">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 31pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="66">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">22,009</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">The
        accompanying notes are an integral part of these consolidated financial
        statements.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">31</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">$ in
        thousands, except share data and per share data.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Note
        1: Summary of Significant Accounting Policies</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The consolidated financial statements include the accounts of National
        Bankshares, Inc. (Bankshares) and its wholly-owned subsidiaries, the National Bank of
        Blacksburg (NBB), and National Bankshares Financial Services, Inc. (NBFS), (the Company).
        All significant intercompany balances and transactions have been eliminated in
        consolidation. Until May 26, 2006 the Company conducted its operations through two
        full-service banking affiliates, the National Bank of Blacksburg and Bank of Tazewell
        County. On May 26, 2006, Bank of Tazewell was merged with and into the National
        Bank.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The accounting and reporting policies of the Company conform to accounting
        principles generally accepted in the United States of America and to general practices
        within the banking industry. The following is a summary of the more significant accounting
        policies.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Cash
        and Cash Equivalents</font></b></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="677" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="653">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">For purposes of the consolidated statements of cash flows,
                        cash and cash equivalents include cash and due from banks.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Debt securities that management has the positive intent and ability to hold
        to maturity are classified as &ldquo;held to maturity&rdquo; and recorded at amortized
        cost. Securities not classified as held to maturity or trading, including equity securities
        with readily determinable fair values, are classified as &ldquo;available for sale&rdquo;
        and recorded at fair value, with unrealized gains and losses excluded from earnings and
        reported in other comprehensive income. The Company has no securities classified as trading
        securities at December 31, 2007 or 2006.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Purchase premiums and discounts are recognized in interest income using the
        interest method over the terms of the securities. Declines in the fair value of held to
        maturity and available for sale securities below their cost that are deemed to be other
        than temporary are reflected in earnings as realized losses. Gains and losses on the sale
        of securities are recorded on the trade date and are determined using the specific
        identification method. The Company evaluates the securities portfolio for possible
        impairment on an ongoing basis. Declines in the fair value of held-to-maturity and
        available-for-sale securities below their cost that are deemed to be other-than-temporary
        are reflected in earnings as realized losses. In determining whether other-than-temporary
        impairment exists, management considers many factors, including (1) the length of time and
        the extent to which the fair value has been less than cost, (2) the financial condition and
        near-term prospects of the issuer, and (3) the intent and ability of the Company to retain
        its investment in the issuer for a period of time sufficient to allow for any anticipated
        recovery in fair value.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Loans
        Held for Sale</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Loans originated and intended for sale in the secondary market are carried
        at the lower of cost or estimated fair value on an individual loan basis. Net unrealized
        losses, if any, are recognized through a valuation allowance by charges to income. Loans
        held for sale are sold with the mortgage servicing rights released by the
        Company.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: 0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company, through its banking subsidiary, grants mortgage, commercial,
        and consumer loans to customers. A substantial portion of the loan portfolio is represented
        by mortgage loans, particularly commercial mortgages. The ability of the Company&rsquo;s
        debtors to honor their contracts is dependent upon the real estate and general economic
        conditions in the Company&rsquo;s market area.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.27in; TEXT-ALIGN: justify">
        <font size="2">Loans that management has the intent and ability to hold for the foreseeable
        future, or until maturity or payoff, generally are reported at their outstanding unpaid
        principal balances adjusted for the allowance for loan losses and any deferred fees or
        costs on originated loans. Interest income is accrued on the unpaid principal balance. Loan
        origination fees, net of certain direct origination costs, are deferred and recognized as
        an adjustment of the related loan yield using the interest method.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The accrual of interest on mortgage and commercial loans is discontinued at
        the time the loan is 90 days delinquent unless the credit is well-secured and in the
        process of collection. Credit card loans and other personal loans are typically charged off
        no later than 180 days past due. In all cases, loans are placed on nonaccrual or charged
        off at an earlier date if collection of principal or interest is considered
        doubtful.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">All interest accrued but not collected for loans that are placed on
        nonaccrual or charged off is reversed against interest income. The interest on these loans
        is accounted for on the cash-basis or cost-recovery method until qualifying for return to
        accrual. Loans are returned to accrual status when all the principal and interest amounts
        contractually due are brought current and future payments are reasonably
        assured.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">Allowance for Loan Losses</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The allowance for loan losses is established as losses are estimated to have
        occurred through a provision for loan losses charged to earnings. Loan losses are charged
        against the allowance when management believes the uncollectibility of a loan balance is
        confirmed. Subsequent recoveries, if any, are credited to the allowance.</font></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="735" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="711">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The allowance for loan losses is evaluated on a regular
                        basis by management and is based upon management&rsquo;s periodic review
                        of</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">32</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">the
        collectibility of the loans in light of historical experience; the nature, volume, and risk
        characteristics of the loan portfolio; adverse situations that may affect the
        borrower&rsquo;s ability to repay; estimated value of any underlying collateral; and
        prevailing economic conditions. This evaluation is inherently subjective as it requires
        estimates that are susceptible to significant revision as more information becomes
        available.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The allowance consists of specific, general and unallocated components. The
        specific component relates to loans that are classified as either doubtful, substandard or
        special mention. For such loans that are also classified as impaired, an allowance is
        established when the discounted cash flows (or collateral value or observable market price)
        of the impaired loan is lower than the carrying value of that loan. The general component
        covers non-classified loans and is based on historical loss experience adjusted for
        qualitative factors. An unallocated component is maintained to cover uncertainties that
        could affect management&rsquo;s estimate of probable losses. The unallocated component of
        the allowance reflects the margin of imprecision inherent in the underlying assumptions
        used in the methodologies for estimating specific and general losses in the
        portfolio.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">A loan is considered impaired when, based on current information and events,
        it is probable that the Company will be unable to collect the scheduled payments of
        principal or interest when due according to the contractual terms of the loan agreement.
        Factors considered by management in determining impairment include payment status,
        collateral value, and the probability of collecting scheduled principal and interest
        payments when due. Loans that experience insignificant payment delays and payment
        shortfalls generally are not classified as impaired. Management determines the significance
        of payment delays and payment shortfalls on a case-by-case basis, taking into consideration
        all of the circumstances surrounding the loan and the borrower, including the length of the
        delay, the reasons for the delay, the borrower&rsquo;s prior payment record, and the amount
        of the shortfall in relation to the principal and interest owed. Impairment is measured on
        a loan by loan basis for commercial and construction loans by either the present value of
        expected future cash flows discounted at the loan&rsquo;s effective interest rate, the
        loan&rsquo;s obtainable market price, or the fair value of the collateral if the loan is
        collateral dependent.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Large groups of smaller balance homogeneous loans are collectively evaluated
        for impairment. Accordingly, the Company does not separately identify individual consumer
        and residential loans for impairment disclosures.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Rate
        Lock Commitments</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company enters into commitments to originate mortgage loans whereby the
        interest rate on the loan is determined prior to funding (rate lock commitments). Rate lock
        commitments on mortgage loans that are intended to be sold are considered to be
        derivatives. The period of time between issuance of a loan commitment and closing and sale
        of the loan generally ranges from 30 to 60 days. The Company protects itself from changes
        in interest rates through the use of best efforts forward delivery commitments, by
        committing to sell a loan at the time the borrower commits to an interest rate with the
        intent that the buyer has assumed interest rate risk on the loan. As a result, the Company
        is not exposed to losses nor will it realize significant gains related to its rate lock
        commitments due to changes in interest rates. The correlation between the rate lock
        commitments and the best efforts contracts is very high due to their similarity.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The market value of rate lock commitments and best efforts contracts is not
        readily ascertainable with precision because rate lock commitments and best effort
        contracts are not actively traded in stand-alone markets. The Company determines the fair
        value of rate lock commitments and best efforts contracts by measuring the changes in the
        value of the underlying assets while taking into consideration the probability that the
        rate lock commitments will close. Because of the high correlation between rate lock
        commitments and best efforts contracts, no gain or loss occurs on the rate lock
        commitments.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">Premises and Equipment</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Land is carried at cost. Premises and equipment are stated at cost, net of
        accumulated depreciation. Depreciation is charged to expense over the estimated useful
        lives of the assets on the straight-line basis. Depreciable lives include 40 years for
        premises, 3-10 years for furniture and equipment, and 3 years for computer software. Costs
        of maintenance and repairs are charged to expense as incurred and improvements are
        capitalized.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Other
        Real Estate</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Real estate acquired through, or in lieu of, foreclosure is held for sale
        and is initially recorded at fair value at the date of foreclosure, establishing a new cost
        basis. Subsequent to foreclosure, valuations are periodically performed by management and
        the assets are carried at the lower of carrying amount or fair value less cost to sell.
        Revenue and expenses from operations and changes in the valuation allowance are included in
        other operating expenses.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 6pt; TEXT-ALIGN: justify">
        <b><font size="2">Intangible Assets and Goodwill</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 6pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company records as goodwill the excess of purchase price over the fair
        value of the identifiable net assets acquired. Statements of Financial Accounting Standards
        No. 142,</font> <i><font size="2">Goodwill and Other Intangible
        Assets</font></i><font size="2">, prescribes a two-step process for impairment testing of
        goodwill, which is performed annually, as well as when an event triggering impairment may
        have occurred. The first step tests for impairment, while the second step, if necessary,
        measures the impairment. The Company has elected to perform its annual analysis during the
        fourth quarter of each fiscal year. No indicators of impairment were identified during the
        years ended December 31, 2007, 2006 and 2005.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">33</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Intangible assets include customer deposit intangibles. Such intangible
        assets are amortized on a straight-line basis over their estimated useful lives, which are
        generally ten to twelve years.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">Stock-Based Compensation</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company adopted the National Bankshares, Inc. 1999 Stock Option Plan to
        give key employees of Bankshares and its subsidiaries an opportunity to acquire shares of
        National Bankshares, Inc. common stock. The purpose of the 1999 Stock Option Plan is to
        promote the success of NBI and its subsidiaries by providing an incentive to key employees
        that enhances the identification of their personal interest with the long term financial
        success of the Company and with growth in stockholder value. Under the 1999 Stock Option
        Plan, up to 500,000 shares of Bankshares common stock may be granted. The 1999 Stock Option
        Plan is administered by the Stock Option Committee, which is the NBI Board of
        Directors&rsquo; Compensation Committee, made up entirely of independent directors of
        National Bankshares, Inc. The Stock Option Committee may determine whether options are
        incentive stock options or nonqualified stock options and may determine the other terms of
        grants, such as number of shares, term, a vesting schedule, and the exercise price. The
        1999 Stock Option Plan limits the maximum term of any option granted to ten years, states
        that options may be granted at not less than fair market value on the date of the grant and
        contains certain other limitations on the exercisability of incentive stock options. The
        options generally vest 25% after one year, 50% after two years, 75% after three years and
        100% after four years. On December 29, 2005, the Company&rsquo;s Board of Directors passed
        a resolution stating that all 142,000 previously granted, but unvested, stock options be
        immediately vested. The vesting was made subject to the provision that any shares of NBI
        common stock obtained by an option grantee by exercise of an option subject to accelerated
        vesting may not be sold or otherwise transferred prior to the expiration of the
        option&rsquo;s original vesting period. This action was taken to reduce the impact of the
        &ldquo;Statement of Financial Accounting Standards No. 123R, Share-Based Payment&rdquo; on
        the Company&rsquo;s earnings over the remaining vesting period of the stock options. At the
        discretion of the Stock Option Committee options may be awarded with the provision that
        they may be accelerated upon a change of control, merger, consolidation, sale or
        dissolution of National Bankshares, Inc. At December 31, 2007, there were 286,000
        additional shares available for grant under the plan. For the year ended December 31, 2005,
        proforma net income and diluted earnings per share were $11,830 and $1.68, respectively,
        after deducting total stock-based employee compensation under the fair value method for
        option awards of $594.</font></p>

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In September 2006, the FASB issued Statement of Financial Accounting
        Standards No. 158, &ldquo;Employers&rsquo; Accounting for Defined Benefit Pension and Other
        Postretirement Plans &ndash; an amendment of FASB Statements No. 87, 88, 106, and
        132(R)&rdquo; (SFAS 158). The Company recognizes the overfunded or underfunded status of a
        defined benefit postretirement plan as an asset or liability in its statement of financial
        position and recognizes changes in that funded status in the year in which the changes
        occur through comprehensive income. The funded status of a benefit plan is measured as the
        difference between plan assets at fair value and the benefit obligation. The benefit
        obligation is the projected benefit obligation. The Company initially recognized the funded
        status of a defined benefit postretirement plan and provided the required disclosures as of
        December 31, 2006.</font></p>

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Deferred income tax assets and liabilities are determined using the balance
        sheet method. Under this method, the net deferred tax asset or liability is determined
        based on the tax effects of the temporary differences between the book and tax basis of the
        various balance sheet assets and liabilities and gives current recognition to changes in
        tax rates and laws.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">When tax returns are filed, it is highly certain that some positions taken
        would be sustained upon examination by the taxing authorities, while others are subject to
        uncertainty about the merits of the position taken or the amount of the position that would
        be ultimately sustained. The benefit of a tax position is recognized in the financial
        statements in the period during which, based on all available evidence, management believes
        it is more likely than not that the position will be sustained upon examination, including
        the resolution of appeals or litigation processes, if any. Tax positions taken are not
        offset or aggregated with other positions. Tax positions that meet the more-likely-than-not
        recognition threshold are measured as the largest amount of tax benefit that is more than
        50 percent likely of being realized upon settlement with the applicable taxing authority.
        The portion of the benefits associated with tax positions taken that exceeds the amount
        measured as described above is reflected as a liability for unrecognized tax benefits in
        the accompanying balance sheet along with any associated interest and penalties that would
        be payable to the taxing authorities upon examination.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Interest and penalties associated with unrecognized tax benefits are
        classified as additional income taxes in the statement of income.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Trust
        Assets and Income</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Assets (other than cash deposits) held by the Trust Department in a
        fiduciary or agency capacity for customers are not included in the consolidated financial
        statements since such items are not assets of the Company. Trust income is recognized on
        the accrual basis.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">Earnings Per Share</font></b></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="696" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="672">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Basic earnings per share represents income available to
                        common stockholders divided by the weighted-average number of</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">34</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">common
        shares outstanding during the period. Diluted earnings per share reflects additional common
        shares that would have been outstanding if dilutive potential common shares had been
        issued, as well as any adjustment to income that would result from the assumed issuance.
        Potential common shares that may be issued by the Company relate solely to outstanding
        stock options, and are determined using the treasury stock method.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Effective on March 31, 2006, National Bankshares, Inc.&rsquo;s Board of
        Directors approved a 2-for-1 stock split of Bankshares&rsquo; common stock. All per share
        information for all periods presented has been retroactively restated to reflect the stock
        split.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The following shows the weighted average number of shares used in computing
        earnings per share and the effect on the weighted average number of shares of dilutive
        potential common stock. Potential dilutive common stock had no effect on income available
        to common stockholders.</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="468">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="468">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Average number of common shares outstanding</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">6,970,982</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,000,695</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,029,058</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="468">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Effect of dilutive options</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">14,348</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">24,040</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">32,628</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="468">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Average number of common shares outstanding used to
                        calculate diluted earnings per share</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="69">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">6,985,330</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,024,735</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,061,686</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.26in; TEXT-ALIGN: justify">
        <font size="2">In 2007, 2006 and 2005 stock options representing 93,000, 65,250 and 54,000
        shares as restated for the 2-for-1 stock split, respectively, were not included in the
        computation of diluted net income per share because to do so would have been
        anti-dilutive.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company practices the policy of charging advertising costs to expenses
        as incurred. In 2007, the Company charged $118 to expenses, and in 2006 and 2005, $204 and
        $210 was expensed, respectively.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Use
        of Estimates</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In preparing consolidated financial statements in conformity with accounting
        principles generally accepted in the United States of America, management is required to
        make estimates and assumptions that affect the reported amounts of assets and liabilities
        as of the date of the balance sheet and reported amounts of revenues and expenses during
        the reporting period. Actual results could differ from those estimates. Material estimates
        that are particularly susceptible to significant change in the near term relate to the
        determination of the allowance for loan losses and the valuation of foreclosed real estate
        and deferred tax assets.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.27in; TEXT-ALIGN: justify">
        <font size="2">Changing economic conditions, adverse economic prospects for borrowers, as
        well as regulatory agency action as a result of examination, could cause NBB to recognize
        additions to the allowance for loan losses and may also affect the valuation of real estate
        acquired in connection with foreclosures or in satisfaction of loans.</font></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="617" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="593">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Certain reclassifications have been made to prior period
                        balances to conform to the current year provisions.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">Recent Accounting Pronouncements</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In September 2006, the Financial Accounting Standards Board (FASB) issued
        Statement of Financial Accounting Standards No. 157, &ldquo;Fair Value Measurements&rdquo;
        (SFAS 157). SFAS 157 defines fair value, establishes a framework for measuring fair value
        in generally accepted accounting principles, and expands disclosures about fair value
        measurements. SFAS 157 does not require any new fair value measurements, but rather,
        provides enhanced guidance to other pronouncements that require or permit assets or
        liabilities to be measured at fair value. This Statement is effective for financial
        statements issued for fiscal years beginning after November 15, 2007 and interim periods
        within those years. The FASB has approved a one-year deferral for the implementation of the
        Statement for nonfinancial assets and nonfinancial liabilities that are recognized or
        disclosed at fair value in the financial statements on a nonrecurring basis. The Company
        does not expect the implementation of SFAS 157 to have a material impact on its
        consolidated financial statements.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In September 2006, the FASB issued Statement of Financial Accounting
        Standards No. 158, &ldquo;Employers&rsquo; Accounting for Defined Benefit Pension and Other
        Postretirement Plans &ndash; an amendment of FASB Statements No. 87, 88, 106, and
        132(R)&rdquo; (SFAS 158). This Statement requires that employers measure plan assets and
        obligations as of the balance sheet date. This requirement is effective for fiscal years
        ending after December 15, 2008. The other provisions of SFAS 158 were implemented by the
        Company as of December 31, 2006. The Company does not expect the implementation of the
        measurement date provisions of SFAS 158 to have a material impact on its consolidated
        financial statements.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In February 2007, the FASB issued Statement of Financial Accounting
        Standards No. 159, &ldquo;The Fair Value Option for Financial Assets and Financial
        Liabilities&rdquo; (SFAS 159). This Statement permits entities to choose to measure many
        financial instruments and certain other items at fair value. The objective of this
        Statement is to improve financial reporting by providing entities with the opportunity to
        mitigate volatility in reported earnings caused by measuring related assets and liabilities
        differently without having to apply complex hedge accounting provisions. The fair value
        option established by this Statement permits all entities to choose to measure eligible
        items at fair value at specified election dates. A business entity shall report unrealized
        gains and losses on items for</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">35</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">which
        the fair value option has been elected in earnings at each subsequent reporting date. The
        fair value option may be applied instrument by instrument and is irrevocable. SFAS 159 is
        effective as of the beginning of an entity&rsquo;s first fiscal year that begins after
        November 15, 2007, with early adoption available in certain circumstances. The Company does
        not expect the implementation of SFAS 159 to have a material impact on its consolidated
        financial statements.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In December 2007, the FASB issued Statement of Financial Accounting
        Standards No. 141(R), &ldquo;Business Combinations&rdquo; (SFAS 141(R)). The Standard will
        significantly change the financial accounting and reporting of business combination
        transactions. SFAS 141(R) establishes principles for how an acquirer recognizes and
        measures the identifiable assets acquired, liabilities assumed, and any noncontrolling
        interest in the acquiree; recognizes and measures the goodwill acquired in the business
        combination or a gain from a bargain purchase; and determines what information to disclose
        to enable users of the financial statements to evaluate the nature and financial effects of
        the business combination. SFAS 141(R) is effective for acquisition dates on or after the
        beginning of an entity&rsquo;s first year that begins after December 15, 2008. The Company
        does not expect the implementation of SFAS 141(R) to have a material impact on its
        consolidated financial statements.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In December 2007, the FASB issued Statement of Financial Accounting
        Standards No. 160, &ldquo;Noncontrolling Interests in Consolidated Financial Statements an
        Amendment of ARB No. 51&rdquo; (SFAS 160). The Standard will significantly change the
        financial accounting and reporting of noncontrolling (or minority) interests in
        consolidated financial statements. SFAS 160 is effective as of the beginning of an
        entity&rsquo;s first fiscal year that begins after December 15, 2008, with early adoption
        permitted. The Company does not expect the implementation of SFAS 160 to have a material
        impact on its consolidated financial statements.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In September 2006, the Emerging Issues Task Force (EITF) issued EITF 06-4,
        &ldquo;Accounting for Deferred Compensation and Postretirement Benefit Aspects of
        Endorsement Split-Dollar Life Insurance Arrangements.&rdquo; This consensus concludes that
        for a split-dollar life insurance arrangement within the scope of this Issue, an employer
        should recognize a liability for future benefits in accordance with SFAS 106 (if, in
        substance, a postretirement benefit plan exists) or APB Opinion No. 12 (if the arrangement
        is, in substance, an individual deferred compensation contract) based on the substantive
        agreement with the employee. The consensus is effective for fiscal years beginning after
        December 15, 2007, with early application permitted. The Company does not expect the
        implementation of EITF 06-4 to have a material impact on its consolidated financial
        statements.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In November 2006, the EITF issued &ldquo;Accounting for Collateral
        Assignment Split-Dollar Life Insurance Arrangements&rdquo; (EITF 06-10). In this Issue, a
        consensus was reached that an employer should recognize a liability for the postretirement
        benefit related to a collateral assignment split-dollar life insurance arrangement in
        accordance with either SFAS 106 or APB Opinion No. 12, as appropriate, if the employer has
        agreed to maintain a life insurance policy during the employee's retirement or provide the
        employee with a death benefit based on the substantive agreement with the employee. A
        consensus also was reached that an employer should recognize and measure an asset based on
        the nature and substance of the collateral assignment split-dollar life insurance
        arrangement. The consensuses are effective for fiscal years beginning after December 15,
        2007, including interim periods within those fiscal years, with early application
        permitted. The Company does not expect the implementation of EITF 06-10 to have a material
        impact on its consolidated financial statements.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In February 2007, the FASB issued FSP No. FAS 158-1, &ldquo;Conforming
        Amendments to the Illustrations in FASB Statements No. 87, No. 88 and No. 106 and to the
        Related Staff Implementation Guides.&rdquo; This FSP provides conforming amendments to the
        illustrations in SFAS 87, 88, and 106 and to related staff implementation guides as a
        result of the issuance of SFAS 158. The conforming amendments made by this FSP are
        effective as of the effective dates of SFAS 158. The unaffected guidance that this FSP
        codifies into SFAS 87, 88, and 106 does not contain new requirements and therefore does not
        require a separate effective date or transition method. The Company does not expect the
        implementation of FSP No. FAS 158-1 to have a material impact on its consolidated financial
        statements.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In November 2007, the Securities and Exchange Commission (SEC) issued Staff
        Accounting Bulletin No. 109, &ldquo;Written Loan Commitments Recorded at Fair Value Through
        Earnings&rdquo; (SAB 109). SAB 109 expresses the current view of the staff that the
        expected net future cash flows related to the associated servicing of the loan should be
        included in the measurement of all written loan commitments that are accounted for at fair
        value through earnings. SEC registrants are expected to apply the views in Question 1 of
        SAB 109 on a prospective basis to derivative loan commitments issued or modified in fiscal
        quarters beginning after December 15, 2007. The Company does not expect the implementation
        of SAB 109 to have a material impact on its consolidated financial statements.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In December 2007, the SEC issued Staff Accounting Bulletin No. 110,
        &ldquo;Use of a Simplified Method in Developing Expected Term of Share Options&rdquo; (SAB
        110). SAB 110 expresses the current view of the staff that it will accept a company&rsquo;s
        election to use the simplified method discussed in SAB 107 for estimating the expected term
        of &ldquo;plain vanilla&rdquo; share options regardless of whether the company has
        sufficient information to make more refined estimates. The staff noted that it understands
        that detailed information about employee exercise patterns may not be widely available by
        December 31, 2007. Accordingly, the staff will continue to accept,</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">36</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">under
        certain circumstances, the use of the simplified method beyond December 31, 2007. The
        Company does not expect the implementation of SAB 110 to have a material impact on its
        consolidated financial statements.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Note
        2: Restriction on Cash</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">As members of the Federal Reserve System, the Company&rsquo;s subsidiary
        bank is required to maintain certain average reserve balances. For the final weekly
        reporting period in the years ended December 31, 2007 and 2006, the aggregate amounts of
        daily average required balances approximated $1,589 and $350, respectively.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Note
        3: Securities</font></b></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="645" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="621">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The amortized cost and fair value of securities available
                        for sale, with gross unrealized gains and losses, follows:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="303">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="303">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Available for sale:</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Amortized</font></b></p>

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

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Gross</font></b></p>

                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Unrealized</font></b></p>

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

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Gross</font></b></p>

                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Unrealized</font></b></p>

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

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Fair Value</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="303">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <b><font size="2">U.S. Treasury</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,029</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">48</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">6</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="73">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,071</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="303">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <b><font size="2">U.S. Government agencies and corporations</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">15,677</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">178</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="73">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">15,855</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="303">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <b><font size="2">States and political subdivisions</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">76,760</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">912</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">220</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="73">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">77,452</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="303">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <b><font size="2">Mortgage-backed securities</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">26,166</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">167</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">74</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="73">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">26,259</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="303">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <b><font size="2">Corporate debt securities</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">32,419</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">119</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">640</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="73">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">31,898</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="303">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <b><font size="2">Federal Home Loan Bank stock-restricted</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,659</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="73">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,659</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="303">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <b><font size="2">Federal Reserve Bank stock-restricted</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">92</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="73">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">92</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="303">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <b><font size="2">Other securities</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">2,213</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">95</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="73">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">2,308</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="303">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <b><font size="2">Total securities available for sale</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">158,015</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,519</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="74">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">940</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="73">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">158,594</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="300">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="300">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Available for sale:</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Amortized</font></b></p>

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

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Gross</font></b></p>

                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Unrealized</font></b></p>

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

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Gross</font></b></p>

                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Unrealized</font></b></p>

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

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Fair Value</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="300">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">U.S. Treasury</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,033</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="79">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">114</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,919</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="300">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">U.S. Government agencies and corporations</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">26,799</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="79">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">212</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">26,590</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="300">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">States and political subdivisions</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">75,566</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="79">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">914</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">483</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">75,997</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="300">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Mortgage-backed securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">30,652</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="79">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">329</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">30,335</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="300">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Corporate debt securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">31,530</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="79">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">95</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,046</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">30,579</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="300">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Federal Home Loan Bank stock-restricted</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,822</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="79">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,822</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="300">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Federal Reserve Bank stock-restricted</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">92</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="79">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">92</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="300">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Other securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,274</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="79">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">127</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,401</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="300">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Total securities available for sale</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">170,768</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="6">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="79">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,151</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,184</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">169,735</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.26in; TEXT-ALIGN: justify">
        <font size="2">The amortized cost and fair value of single maturity securities available
        for sale at December 31, 2007, by contractual maturity, are shown below. Expected
        maturities may differ from contractual maturities because borrowers may have the right to
        call or prepay obligations with or without call or prepayment penalties. Mortgage-backed
        securities included in these totals are categorized by final maturity at December 31,
        2007.</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="528" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="247">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="247">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Amortized Cost</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Fair Value</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="247">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Due in one year or less</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="118">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">9,628</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="105">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">9,561</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="247">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Due after one year through five years</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="118">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">57,824</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="105">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">58,091</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="247">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Due after five years through ten years</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="118">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">66,243</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="105">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">66,541</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="247">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Due after ten years</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="118">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">21,264</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="105">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">21,250</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="247">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">No maturity</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="118">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,056</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="105">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,151</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="247">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="118">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">158,015</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="105">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">158,594</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">37</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.25in; TEXT-ALIGN: justify">
        <font size="2">The amortized cost and fair value of securities held to maturity, with gross
        unrealized gains and losses, follows:</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="276">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="276">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Held to maturity:</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Amortized</font></b></p>

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

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Gross</font></b></p>

                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Unrealized</font></b></p>

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

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Gross</font></b></p>

                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Unrealized</font></b></p>

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

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Fair Value</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="276">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">U.S. Government agencies and corporations</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">33,631</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">244</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">25</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">33,850</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="276">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">States and political subdivisions</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">63,936</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">933</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">274</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">64,595</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="276">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Mortgage-backed securities</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">2,079</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">17</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">2,091</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="276">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Corporate debt securities</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">15,103</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">126</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">302</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">14,927</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="276">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.75in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Total securities held to maturity</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">114,749</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,320</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">606</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">115,463</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="277">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Held to maturity:</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Amortized</font></b></p>

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

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Gross</font></b></p>

                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Unrealized</font></b></p>

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

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Gross</font></b></p>

                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Unrealized</font></b></p>

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

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Fair Value</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">U.S. Government agencies and corporations</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">36,457</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">9</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">580</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">35,886</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">States and political subdivisions</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">60,182</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">853</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">195</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">60,840</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Mortgage-backed securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,489</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">10</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,478</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Corporate debt securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">16,626</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">180</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">449</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">16,357</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="277">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.75in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total securities held to maturity</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">115,754</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,052</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,245</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">115,561</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.26in; TEXT-ALIGN: justify">
        <font size="2">The amortized cost and fair value of single maturity securities held to
        maturity at December 31, 2007, by contractual maturity, are shown below. Expected
        maturities may differ from contractual maturities because borrowers may have the right to
        call or prepay obligations with or without call or prepayment penalties. Mortgage-backed
        securities included in these totals are categorized by final maturity at December 31,
        2007.</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="480" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="231">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="231">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        </p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Amortized</font></b><br>
                        <b><font size="1">Cost</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Fair</font></b><br>
                        <b><font size="1">Value</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Due in one year or less</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,498</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="97">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,511</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Due after one year through five years</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">48,256</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="97">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">48,788</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Due after five years through ten years</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">41,442</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="97">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">41,982</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Due after ten years</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">21,553</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="97">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">21,182</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">114,749</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="97">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">115,463</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Information pertaining to securities with gross unrealized losses at
        December 31, 2007 and 2006, aggregated by investment category and length of time that
        individual securities have been in a continuous loss position, follows:</font></p>

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

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="308">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="308">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Less Than 12 Months</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">12 Months or More</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="308">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Fair</font></b><br>
                        <b><font size="1">Value</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Unrealized</font></b><br>
                        <b><font size="1">Loss</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Fair</font></b><br>
                        <b><font size="1">Value</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Unrealized</font></b><br>
                        <b><font size="1">Loss</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="308">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">U. S. Treasury</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="64">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">949</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">6</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="308">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">U. S. Government agencies and corporations</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="64">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">8,162</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">25</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="308">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">State and political subdivisions</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="64">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">12,622</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">255</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">29,085</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">239</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="308">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Mortgage-backed securities</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="64">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">10,455</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">79</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="308">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Corporate debt securities</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="64">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,893</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">77</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">34,965</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">865</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="308">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Total temporarily impaired securities</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="64">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">14,516</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">332</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="60">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">83,661</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,214</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">38</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="294">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31, 2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="294">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Less Than 12 Months</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">12 Months or More</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="294">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Fair</font></b><br>
                        <b><font size="1">Value</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Unrealized</font></b><br>
                        <b><font size="1">Loss</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Fair</font></b><br>
                        <b><font size="1">Value</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Unrealized</font></b><br>
                        <b><font size="1">Loss</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="294">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">U. S. Government agencies and corporations</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">22,734</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">83</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">38,234</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">831</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="294">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">State and political subdivisions</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">14,449</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">91</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">30,503</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">587</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="294">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Mortgage-backed securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">13,533</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">16,268</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">296</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="294">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Corporate debt securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">--</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">35,462</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,495</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="294">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total temporarily impaired securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="76">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">50,716</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">220</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">120,467</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,209</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.26in; TEXT-ALIGN: justify">
        <font size="2">The Company had 141 securities with a fair value of $98,177 which were
        temporarily impaired at December 31, 2007. The total unrealized loss on these securities
        was $1,546. Losses are attributed to interest rate movements. Credit quality of the
        securities portfolio is continuously monitored by management. The Company has the ability
        and intent to hold these securities until maturity or until the cost is recovered.
        Therefore, the losses associated with these securities are not considered other than
        temporary at December 31, 2007.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">At December 31, 2007 and 2006, securities with a carrying value of $67,286
        and $67,325, respectively, were pledged to secure trust deposits and for other purposes as
        required or permitted by law.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">As a member of the Federal Reserve and the Federal Home Loan Bank (FHLB) of
        Atlanta, NBB is required to maintain certain minimum investments in the common stock of
        those entities. Required levels of investment are based upon NBB&rsquo;s capital and a
        percentage of qualifying assets. In addition, NBB is eligible to borrow from the FHLB with
        borrowings collateralized by qualifying assets, primarily residential mortgage loans
        totaling approximately $102,950, and NBB&rsquo;s capital stock investment in the
        FHLB.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Note
        4: Related Party Transactions</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In the ordinary course of business, the Company, through its banking
        subsidiary, has granted loans to executive officers and directors of Bankshares and its
        subsidiaries amounting to $2,444 at December 31, 2007 and $2,524 at December 31, 2006.
        During the year ended December 31, 2007 total principal additions were $694 and principal
        payments were $774.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">Note 5:
        Allowance for Loan Losses</font></b></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="325" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="301">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">An analysis of the allowance for loan losses
                        follows:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="576" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="247">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Years ended December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="247">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="247">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Balance at beginning of year</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="83">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,157</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,449</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,729</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="247">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Provision for loan losses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="83">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">423</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">49</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">567</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="247">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans charged off</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="83">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(471</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(459</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,101</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="247">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Recoveries of loans previously charged off</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="83">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">110</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">118</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">254</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="247">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Balance at end of year</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="83">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,219</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,157</font><font color="#ffffff"><font size="2">.</font></font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="88">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,449</font><font color="#ffffff"><font size="2">.</font></font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">The
        following is a summary of information pertaining to impaired loans:</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="576" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="264">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="264">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="264">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Impaired loans without a valuation allowance</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="83">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,144</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="79">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="80">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">174</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="264">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Impaired loans with a valuation allowance</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="83">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="79">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="80">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="264">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total impaired loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="83">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,144</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="79">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="80">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">174</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="264">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Valuation allowance related to impaired loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="83">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="79">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="80">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="576" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="306">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Years ended December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="306">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="306">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Average investment in impaired loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,138</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="64">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">140</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="64">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">274</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="306">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest income recognized on impaired loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="64">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="64">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">39</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="576" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="306">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest income recognized on a cash basis on impaired
                        loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="67">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="64">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="64">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">No additional funds are committed to be advanced in connection with impaired
        loans. Nonaccrual loans excluded from impaired loan disclosure under FASB 114 at December
        31, 2007 and 2006 were $6 and $0, respectively. If interest on these loans had been
        accrued, the income would have been $0 and $0 respectively. Loans past due greater than 90
        days which continue to accrue interest totaled $1,181 and $681 at December 31, 2007 and
        2006, respectively.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Note
        6: Premises and Equipment</font></b></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="523" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="499">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">A summary of the cost and accumulated depreciation of
                        premises and equipment follows:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="480" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="199">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="199">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="199">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Premises</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="113">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">14,486</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="124">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">14,320</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="199">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Furniture and equipment</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="113">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">11,363</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="124">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11,029</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="199">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Construction-in-progress</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="113">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">62</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="124">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">270</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="199">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="113">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">25,911</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="124">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">25,619</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="199">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Accumulated depreciation</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="113">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(13,895</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="124">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(12,917</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="199">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Furniture and equipment</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="113">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">12,016</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="124">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,702</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="717" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="693">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Depreciation expense for the years ended December 2007, 2006
                        and 2005 amounted to $1,013, $992 and $1,017, respectively.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company leases branch facilities under noncancellable operating leases.
        The future minimum lease payments under these leases (with initial or remaining lease terms
        in excess of one year) as of December 31, 2007 are as follows: $221 in 2008, $191 in 2009,
        $99 in 2010, $40 in 2011, $41 in 2012, and $120 thereafter.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Note
        7: Deposits</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The aggregate amounts of time deposits in denominations of $100 or more at
        December 31, 2007 and 2006 were $139,379 and $130,682, respectively.</font></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="467" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="443">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">At December 31, 2007 the scheduled maturities of time
                        deposits are as follows:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="480" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="243">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        <font size="2">2008</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="189">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">282,517</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="243">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        <font size="2">2009</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="189">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">32,424</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="243">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        <font size="2">2010</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="189">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">31,122</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="243">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        <font size="2">2011</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="189">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">15,800</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="243">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        <font size="2">2012</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="189">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">16,705</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="243">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        <font size="2">Thereafter</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="189">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">2,289</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="243">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="17">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="189">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">380,857</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="683" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="659">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">At December 31, 2007 and 2006, overdraft demand deposits
                        reclassified to loans totaled $1,881 and $639, respectively.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Note
        8: Employee Benefit Plans</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">401(k) Plan</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company has a Retirement Accumulation Plan qualifying under IRS Code
        Section 401(k), in which Bankshares, NBB and NBFS are participating employers. Eligible
        participants may contribute up to 100% of their total annual compensation to the plan,
        subject to certain limits based on federal tax laws. Employee contributions are matched by
        the employer based on a percentage of an employee&rsquo;s total annual compensation
        contributed to the plan. For the years ended December 31, 2007, 2006 and 2005, the Company
        contributed $261, $278 and $275, respectively, to the plan.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="207" border="0">
                <tr>
                    <td valign="top" nowrap width="207">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <b><font size="2">Employee Stock Ownership Plan</font></b></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Bankshares has a nonleveraged Employee Stock Ownership Plan (ESOP) which
        enables employees of Bankshares and its subsidiaries who have one year of service and who
        have attained the age of 21 prior to the plan&rsquo;s January 1 and July 1 enrollment dates
        to own Bankshares common stock. Contributions to the ESOP, which are not mandatory, are
        determined annually by the Board of Directors. Contribution expense amounted to $200, $300
        and $373 in the years ended December 31, 2007, 2006 and 2005, respectively. Dividends on
        ESOP shares are charged to retained earnings. As of December 31, 2007, the number of
        allocated shares held by the ESOP was 240,970 and the number of unallocated shares was
        8,455. All shares held by the ESOP are treated as</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">40</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <font size="2">outstanding in computing the Company&rsquo;s basic net income per share.
        Upon reaching age 55 with ten years of plan participation, a vested participant has the
        right to diversify 50% of his or her allocated ESOP shares and Bankshares or the ESOP, with
        the agreement of the Trustee, is obligated to purchase those shares. The ESOP contains a
        put option which allows a withdrawing participant to require Bankshares or the ESOP, if the
        plan administrator agrees, to purchase his or her allocated shares if the shares are not
        readily tradable on an established market at the time of its distribution.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="139" border="0">
                <tr>
                    <td valign="top" nowrap width="139">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <b><font size="2">Defined Benefit Plan</font></b></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company&rsquo;s defined benefit pension plan covers substantially all
        employees. The plan benefit formula is based upon the length of service of retired
        employees and a percentage of qualified W-2 compensation during their final years of
        employment. Information pertaining to activity in the plan is as follows:</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="486">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>

                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Change in benefit obligation</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Projected benefit obligation at beginning of year</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">11,729</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">10,732</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">10,220</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Service cost</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">608</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">574</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">572</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest cost</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">702</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">648</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">585</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Actuarial (gain)loss</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(227</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">107</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">444</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Benefits paid</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(953</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(332</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,089</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Projected benefit obligation at end of year</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">11,859</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11,729</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">10,732</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Change in plan assets</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Fair value of plan assets at beginning of year</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">7,835</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6,228</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6,392</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Actual return on plan assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">763</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">699</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">420</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Employer contribution</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">597</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,240</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">505</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Benefits paid</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(953</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(332</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,089</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Fair value of plan assets at end of year</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">8,242</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,835</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6,228</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="HEIGHT: 9pt; page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 9pt" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 9pt" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 9pt" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 9pt" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 9pt" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 9pt" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 9pt" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 9pt" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 9pt" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 9pt" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 9pt" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Funded status at the end of the year</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(3,617</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(3,894</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(4,504</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Amounts recognized in the Balance Sheet</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other liabilities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,617</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,894</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,562</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Amounts recognized in accumulated other comprehensive
                        income</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net loss</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,163</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,697</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">969</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Prior service cost</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">28</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">37</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net obligation at transition</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(38</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(51</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(64</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Amount recognized</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,153</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,683</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">951</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Funded status</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Benefit obligation</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(11,859</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(11,729</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(10,732</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Fair value of assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">8,242</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,835</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6,228</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Unrecognized net actuarial loss</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,960</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Unrecognized net obligation at transition</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(64</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Unrecognized prior service cost</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">(Accrued) benefit cost included in other
                        liabilities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(3,617</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(3,894</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,562</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Components of net periodic benefit cost</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Service cost</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">608</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">573</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">572</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest cost</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">702</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">648</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">585</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">41</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Expected return on plan assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(637</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(527</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(547</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Amortization of prior service cost</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">9</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">9</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">9</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Amortization of net obligation at transition</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(13</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(13</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(13</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Recognized net actuarial loss</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">180</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">221</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">152</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net periodic benefit cost</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">849</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">911</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">758</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Other changes in plan assets and benefit obligations
                        recognized in accumulated other comprehensive income (loss)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net (gain)loss</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(535</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,777</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(44</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Amortization of prior service cost</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(9</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(9</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(9</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Amortization of net obligation at transition</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">13</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Deferred income tax (benefit) expenses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">186</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(974</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">14</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total recognized</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(345</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,806</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(27</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Total recognized in net periodic benefit cost and other
                        comprehensive income, net of income tax (benefit) expense</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">504</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,720</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">731</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Weighted average assumptions at end of the
                        year</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Discount rate used for net periodic pension cost</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">6.00</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Discount rate used for disclosure</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">6.00</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Expected return on plan assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">8.00</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">9.08</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">9.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="486">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Rate of compensation increase</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">4.00</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Long
        Term Rate of Return</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company, as plan sponsor, selects the expected long-term
        rate-of-return-on-assets assumption in consultation with its investment advisors and
        actuary. This rate is intended to reflect the average rate of earnings expected to be
        earned on the funds invested or to be invested to provide plan benefits. Historical
        performance is reviewed, especially with respect to real rates of return (net of
        inflation), for the major asset classes held or anticipated to be held by the trust, and
        for the trust itself. Undue weight is not given to recent experience, which may not
        continue over the measurement period, but other higher significance is placed on current
        forecasts of future long-term economic conditions.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Because assets are held in a qualified trust, anticipated returns are not
        reduced for taxes. Further, and solely for this purpose, the plan is assumed to continue in
        force and not terminate during the period during which assets are invested. However,
        consideration is given to the potential impact of current and future investment policy,
        cash flow into and out of the trust, and expenses (both investment and non-investment)
        typically paid from plan assets (to the extent such expenses are not explicitly estimated
        within periodic cost).</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company, as plan sponsor, has adopted a Pension Administrative Committee
        Policy (the Policy) for monitoring the investment management of its qualified plans. The
        Policy includes a statement of general investment principles and a listing of specific
        investment guidelines, to which the committee may make documented exceptions. The
        guidelines state that, unless otherwise indicated, all investments that are permitted under
        the Prudent Investor Rule shall be permissible investments for the pension plan. All plan
        assets are to be invested in marketable securities. Certain investments are prohibited,
        including commodities and future contracts, private placements, repurchase agreements,
        options and derivatives. The Policy establishes quality standards for fixed income
        investments and mutual funds included in the pension plan trust. The Policy also outlines
        diversification and asset allocation standards.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="575" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="551">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The pension plan&rsquo;s weighted average asset allocations
                        at October 31, 2007 and 2006 are as follows:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="480" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="220">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Asset Allocation</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="112">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="220">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">U. S. Government obligations</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="112">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">15</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">19</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="220">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Mutual funds - equity</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="112">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">19</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">24</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="220">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Corporate bonds</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="112">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">20</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="220">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Equity securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="112">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">37</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">36</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="220">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Other</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="112">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">9</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">9</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">42</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="480" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="220">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" width="112">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">100</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">100</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="711" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="687">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The Company&rsquo;s required minimum pension contribution
                        for 2008 has not yet been determined, but it is estimated to be
                        $671.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="596" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="572">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Estimated future benefit payments, which reflect expected
                        future service, as appropriate, are as follows:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="288" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="146">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        <font size="2">2008</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">53</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="146">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        <font size="2">2009</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">75</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="146">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        <font size="2">2010</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">279</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="146">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        <font size="2">2011</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">302</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="146">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        <font size="2">2012</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">339</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="146">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: center">
                        <font size="2">2013 - 2017</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="10">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">2,990</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Note
        9: Stock Option Plan</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company adopted the National Bankshares, Inc. 1999 Stock Option Plan to
        give key employees of Bankshares and its subsidiaries an opportunity to acquire shares of
        National Bankshares, Inc. common stock. The purpose of the 1999 Stock Option Plan is to
        promote the success of Bankshares and its subsidiaries by providing an incentive to key
        employees that enhances the identification of their personal interest with the long term
        financial success of the Company and with growth in stockholder value. Under the 1999 Stock
        Option Plan, up to 500,000 shares of Bankshares common stock may be granted. The 1999 Stock
        Option Plan is administered by the Stock Option Committee, which is the Bankshares Board of
        Directors&rsquo; Compensation Committee, made up entirely of independent directors of
        National Bankshares, Inc. The Stock Option Committee may determine whether options are
        incentive stock options or nonqualified stock options and may determine the other terms of
        grants, such as number of shares, term, a vesting schedule, and the exercise price. The
        1999 Stock Option Plan limits the maximum term of any option granted to ten years, states
        that options may be granted at not less than fair market value on the date of the grant and
        contains certain other limitations on the exercisability of incentive stock options. The
        options generally vest 25% after one year, 50% after two years, 75% after three years and
        100% after four years. On December 29, 2005, the Company&rsquo;s Board of Directors passed
        a resolution stating that all 142,000 (as restated for the 2-for-1 stock split on March 31,
        2006) previously granted, but unvested, stock options be immediately vested. The vesting
        was made subject to the provision that any shares of NBI common stock obtained by an option
        grantee by exercise of an option subject to accelerated vesting may not be sold or
        otherwise transferred prior to the expiration of the option&rsquo;s original vesting
        period. This action was taken to reduce the impact of the</font>
        <i><font size="2">&ldquo;Statement of Financial Accounting Standards No. 123R, Share-Based
        Payment&rdquo;</font></i> <font size="2">on the Company&rsquo;s earnings over the remaining
        vesting period of the stock options. At the discretion of the Stock Option Committee,
        options may be awarded with the provision that they may be accelerated upon a change of
        control, merger, consolidation, sale or dissolution of National Bankshares, Inc. Effective
        on April 1, 2006, the number of shares and the option price of all previously-granted
        options were adjusted to reflect the effects of the March 31, 2006 2-for-1 stock split.
        This action was taken to comply with the terms of the Company&rsquo;s stock option
        agreements. The information that follows also has been adjusted to reflect the effects of
        the March 31, 2006 stock split. At December 31, 2007, there were 286,000 additional shares
        available for grant under the plan. There were no nonvested shares outstanding at December
        31, 2007.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="475" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="451">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">A summary of the status of the Company&rsquo;s stock option
                        plan is presented below:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="252">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>

                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>

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

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <br>
                        <br>
                        <b><font size="1">Shares</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <b><font size="1">Weighted-</font></b><br>
                        <b><font size="1">Average</font></b><br>
                        <b><font size="1">Exercise</font></b><br>
                        <b><font size="1">Price</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="107">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Weighted-</font></b><br>
                        <b><font size="1">Average</font></b><br>
                        <b><font size="1">Remaining</font></b><br>
                        <b><font size="1">Contractual</font></b><br>
                        <b><font size="1">Term</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <br>
                        <b><font size="1">Aggregate</font></b><br>
                        <b><font size="1">Intrinsic</font></b><br>
                        <b><font size="1">Value</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="252">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Outstanding at January 1, 2007</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">161,790</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="85">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">20.46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="107">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="86">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="252">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Granted</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="85">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="107">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="86">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="252">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Exercised</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(16,790</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="85">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11.78</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="107">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="86">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="252">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Forfeited or expired</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="85">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="107">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="86">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="252">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Outstanding at December 31, 2007</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">145,000</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="85">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21.46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="107">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.10</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="86">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="252">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Exercisable at December 31, 2007</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="87">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">145,000</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="85">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21.46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="107">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.10</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="86">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.26in; TEXT-ALIGN: left">
        <font size="2">The intrinsic value of shares exercised were $89, $136 and $160 for 2007,
        2006 and 2005, respectively. At December 31, 2007 there were no nonvested
        shares.</font><font size="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">43</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Note
        10: Income Taxes</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company files income tax returns in the U.S. federal jurisdiction and
        the state of Virginia. With few exceptions, the Company is no longer subject to U.S.
        federal, state and local income tax examinations by tax authorities for years prior to
        2004.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company adopted the provisions of FIN 48,</font>
        <i><font size="2">Accounting for Uncertainty in Income Taxes</font></i><font size="2">, on
        January 1, 2007 with no impact on the financial statements.</font></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="501" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="477">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Allocation of income tax expense between current and
                        deferred portions is as follows:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="250">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Years ended December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="250">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Current</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="121">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,874</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="132">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,539</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="132">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,855</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Deferred</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="121">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">(144</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="132">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">249</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="132">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">69</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total income tax expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="121">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,730</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="132">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,788</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="132">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,924</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: left">
        <font size="2">The following is a reconciliation of the &ldquo;expected&rdquo; income tax
        expense, computed by applying the U.S. Federal income tax rate of 35% to income before
        income tax expense, with the reported income tax expense:</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="319">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Years ended December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="319">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="319">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Computed &ldquo;expected&rdquo; income tax
                        expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,742</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="110">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,747</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="110">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,722</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="319">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Tax-exempt interest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(2,090</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="110">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,919</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="110">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,947</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="319">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Nondeductible interest expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">344</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="110">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">277</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="110">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">196</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="319">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other, net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(266</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="110">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(317</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="110">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(47</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="319">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Reported income tax expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,730</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="110">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,788</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="110">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,924</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="499" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="475">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The components of the net deferred tax asset, included in
                        other assets, are as follows:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="406">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="406">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="406">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Deferred tax assets:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="406">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Allowance for loan losses and unearned fee income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,855</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,804</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="406">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Valuation allowance on other real estate owned</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">33</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="406">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Deferred compensation and other liabilities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">1,637</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,579</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="406">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Net unrealized losses on securities available for
                        sale</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">360</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="406">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,492</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,776</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="406">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Deferred tax liabilities:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="406">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Fixed assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">(140</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">(170</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="406">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Discount accretion on securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(117</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(117</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="406">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Deposit intangibles and goodwill</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(410</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(268</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="406">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Other</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(148</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(142</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="406">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Net unrealized gains on securities available for
                        sale</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(204</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="406">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(1,019</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(697</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="406">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Net deferred tax asset</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="117">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">2,473</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,079</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.26in; TEXT-ALIGN: justify">
        <font size="2">The Company has determined that a valuation allowance for the gross deferred
        tax assets is not necessary at December 31, 2007 and 2006 due to the fact that the
        realization of the entire gross deferred tax assets can be supported by the amount of taxes
        paid during the carryback period available under current tax laws.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Note
        11: Restrictions on Dividends</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Bankshares&rsquo; principal source of funds for dividend payments is
        dividends received from its subsidiary banks. For the years ended December 31, 2007, 2006,
        and 2005, dividends received from subsidiary banks were $6,698, $5,859 and $5,795,
        respectively.</font></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="715" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="691">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Substantially all of Bankshares&rsquo; retained earnings are
                        undistributed earnings of its banking subsidiary, which are restricted
                        by</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">44</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">various
        regulations administered by federal bank regulatory agencies. Bank regulatory agencies
        restrict, without prior approval, the total dividend payments of a bank in any calendar
        year to the bank&rsquo;s retained net income of that year to date, as defined, combined
        with its retained net income of the preceding two years, less any required transfers to
        surplus. At December 31, 2007, retained net income, which was free of such restriction,
        amounted to approximately $20,033.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Note
        12: Minimum Regulatory Capital Requirement</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company (on a consolidated basis) and its subsidiary bank are subject to
        various regulatory capital requirements administered by the federal banking agencies.
        Failure to meet minimum capital requirements can initiate certain mandatory and possibly
        additional discretionary actions by regulators that, if undertaken, could have a direct
        material effect on the Company&rsquo;s and the bank&rsquo;s financial statements. Under
        capital adequacy guidelines and the regulatory framework for prompt corrective action, the
        Company and the bank must meet specific capital guidelines that involve quantitative
        measures of their assets, liabilities, and certain off balance sheet items as calculated
        under regulatory accounting practices. The capital amounts and classification are also
        subject to qualitative judgments by regulators about components, risk weightings, and other
        factors. Prompt corrective action provisions are not applicable to bank holding
        companies.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Quantitative measures established by regulation to ensure capital adequacy
        require the Company and the bank to maintain minimum amounts and ratios (set forth in the
        following table) of total and Tier 1 capital (as defined in the regulations) to
        risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as
        defined). Management believes, as of December 31, 2007 and 2006, that the Company and the
        bank meet all capital adequacy requirements to which they are subject.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">As of December 31, 2007, the most recent notifications from the appropriate
        regulatory authorities categorized the bank as well capitalized under the regulatory
        framework for prompt corrective action. To be categorized as well capitalized, an
        institution must maintain minimum total risk-based, Tier 1 risk-based, and Tier 1 leverage
        ratios as set forth in the following tables. There are no conditions or events since these
        notifications that management believes have changed the bank&rsquo;s category. The
        Company&rsquo;s and the bank&rsquo;s actual capital amounts and ratios as of December 31,
        2007 and 2006 are also presented in the following tables.</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="724" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="283">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Actual</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Minimum Capital</font></b><br>
                        <b><font size="1">Requirement</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Minimum To Be Well</font></b><br>
                        <b><font size="1">Capitalized Under</font></b><br>
                        <b><font size="1">Prompt Corrective</font></b><br>
                        <b><font size="1">Action Provisions</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="283">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Amount</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Ratio</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Amount</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Ratio</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Amount</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Ratio</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="283">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">December 31, 2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="283">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Total capital (to risk weighted assets)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="283">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 53.3pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Bankshares consolidated</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">96,918</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">15.7</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">49,481</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">8.0</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">N/A</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">N/A</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="283">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 55.3pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">NBB</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">92,468</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">15.1</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">49,098</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">8.0</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">61,373</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">10.0</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="283">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Tier 1 capital (to risk weighted assets)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="283">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 55.3pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Bankshares consolidated</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">91,661</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">14.8</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">24,740</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">4.0</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">N/A</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">N/A</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="283">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 55.3pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">NBB</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">87,249</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">14.2</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">24,549</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">4.0</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">36,824</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">6.0</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="283">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Tier 1 capital (to average assets)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="283">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 53.3pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Bankshares consolidated</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">91,661</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">10.6</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">34,494</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">4.0</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">N/A</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">N/A</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="283">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 53.3pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">NBB</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="44">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">87,249</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">10.2</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">34,225</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="54">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">4.0</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">42,781</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="62">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5.0</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="718" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="285">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Actual</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Minimum Capital</font></b><br>
                        <b><font size="1">Requirement</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Minimum To Be Well</font></b><br>
                        <b><font size="1">Capitalized Under</font></b><br>
                        <b><font size="1">Prompt Corrective</font></b><br>
                        <b><font size="1">Action Provisions</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="285">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Amount</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Ratio</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Amount</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Ratio</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Amount</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Ratio</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="285">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">December 31, 2006</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="285">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total capital (to risk weighted assets)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="285">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 53.3pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Bankshares consolidated</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">89,081</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">15.0</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">47,399</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">8.0</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">N/A</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">N/A</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="285">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 53.3pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">NBB</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">85,061</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">14.5</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">47,072</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">8.0</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">58,840</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">10.0</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="285">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Tier 1 capital (to risk weighted assets)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="285">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 53.3pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Bankshares consolidated</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">83,873</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">14.2</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">23,700</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.0</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">N/A</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">N/A</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="285">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 53.3pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">NBB</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">79,904</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">13.6</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">23,836</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.0</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">35,304</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6.0</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="285">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Tier 1 capital (to average assets)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="285">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 53.3pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Bankshares consolidated</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">83,873</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">10.0</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">33,523</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.0</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">N/A</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">N/A</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="285">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 53.3pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">NBB</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">79,904</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="9">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">9.6</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="42">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">33,425</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4.0</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="48">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">41,781</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="57">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5.0</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">45</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Note
        13: Condensed Financial Statements of Parent Company</font></b></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="443" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="419">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Financial information pertaining only to Bankshares (Parent)
                        is as follows:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="387">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="387">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="387">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Assets</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="137">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="387">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Cash due from subsidiaries</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">36</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="137">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">65</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="387">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Securities available for sale</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,694</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="137">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,998</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="387">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Investments in subsidiaries, at equity</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">101,050</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="137">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">93,462</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="387">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Refundable income taxes due from subsidiaries</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">84</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="137">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">160</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="387">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">502</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="137">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">526</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="387">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 57pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">105,366</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="137">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">97,211</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="387">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="137">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="387">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Liabilities And Stockholders&rsquo; Equity</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="137">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="387">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other liabilities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">566</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="137">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">456</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="387">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Stockholders&rsquo; equity</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">104,800</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="137">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">96,755</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="387">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 59pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total liabilities and stockholders&rsquo; equity</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="120">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">105,366</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="137">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">97,211</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

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

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="460">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Years Ended December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="460">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="460">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Income</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="37">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="460">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Dividends from Subsidiaries</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="37">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">6,698</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,859</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,795</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="460">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest on securities &ndash; taxable</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="37">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">26</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">24</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">26</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="460">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest on securities &ndash; nontaxable</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="37">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">68</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">84</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">117</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="460">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="37">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,147</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,033</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,072</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="460">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Securities gains</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="37">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">30</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">25</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="460">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="37">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">7,969</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,002</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,035</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="460">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="37">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="460">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Expenses</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="37">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="460">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other expenses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="37">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">1,643</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,605</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,519</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="460">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Income before income tax benefit and equity in undistributed
                        net income of subsidiaries</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="37">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">6,326</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,397</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,516</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="460">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Applicable income tax benefit</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="37">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">136</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">187</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">136</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="460">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Income before equity in undistributed net income of
                        subsidiaries</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="37">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">6,462</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,584</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,652</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="460">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Equity in undistributed net income of
                        subsidiaries</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="37">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">6,213</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,048</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6,772</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="460">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.75in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="37">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="38">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">12,675</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,632</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="46">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,424</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="450">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Years ended December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2005</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">Cash Flows From Operating Expenses</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Net income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">12,675</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,632</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,424</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">46</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Adjustments to reconcile net income to net cash provided by
                        operating activities:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: left">
                        <font size="2">Equity in undistributed net income of
                        subsidiaries</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(6,213</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(7,048</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(6,772</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: left">
                        <font size="2">Amortization of premiums and accretion of discounts,
                        net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">26</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">27</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">11</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: left">
                        <font size="2">Depreciation expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">7</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">9</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">4</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: left">
                        <font size="2">Securities (gains)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(30</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(2</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(25</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: left">
                        <font size="2">Net change in refundable income taxes due from
                        subsidiaries</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">76</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(62</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">9</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: left">
                        <font size="2">Net change in other assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">7</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(248</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: left">
                        <font size="2">Net change in other liabilities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">155</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(87</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">162</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: left">
                        <font size="2">Net cash provided by operating activities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">6,703</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">5,469</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">5,565</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">Cash Flows From Investing Activities</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Purchases of securities available for sale</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(909</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,044</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,414</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Proceeds from sales of securities available for
                        sale</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,387</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Maturities and calls of securities available for
                        sale</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">200</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,751</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: left">
                        <font size="2">Net cash (used in) provided by investing
                        activities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">(709</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">707</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(27</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">Cash Flows From Financing Activities</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Cash dividends paid</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(5,298</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(5,108</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(4,991</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Common stock repurchased</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(923</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(1,183</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(744</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Exercise of stock options</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">198</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">122</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">164</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: left">
                        <font size="2">Net cash used in financing activities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(6,023</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(6,169</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(5,571</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Net change in cash</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(29</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">(33</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">)</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Cash due from subsidiaries at beginning of year</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">65</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">58</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">91</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Cash due from subsidiaries at end of year</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="24">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="21">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="45">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">36</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">65</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="52">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">58</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Note
        14: Financial Instruments with Off-Balance Sheet Risk</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.19in; TEXT-ALIGN: justify">
        <font size="2">The Company is a party to financial instruments with off-balance sheet risk
        in the normal course of business to meet the financing needs of its customers. These
        financial instruments include commitments to extend credit, standby letters of credit and
        interest rate locks. These instruments involve, to varying degrees, elements of credit risk
        in excess of the amount recognized in the consolidated balance sheets.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company&rsquo;s exposure to credit loss, in the event of nonperformance
        by the other party to the financial instrument for commitments to extend credit and standby
        letters of credit, is represented by the contractual amount of those instruments. The
        Company uses the same credit policies in making commitments and conditional obligations as
        it does for on-balance sheet instruments. The Company may require collateral or other
        security to support the following financial instruments with credit risk.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">At December 31, 2007, and 2006, the following financial instruments were
        outstanding whose contract amounts represent credit risk:</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="450">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Financial instruments whose contract amounts represent
                        credit risk:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="97">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 53.3pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Commitments to extend credit</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="97">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">81,685</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">125,447</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 53.3pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Standby letters of credit</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="97">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">11,030</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">8,391</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="450">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 53.3pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Mortgage loans sold with potential recourse</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="97">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <b><font size="2">20,368</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="96">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">19,022</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.27in; TEXT-ALIGN: justify">
        <font size="2">Commitments to extend credit are agreements to lend to a customer as long as
        there is no violation of any condition established in the contract. Commitments generally
        have fixed expiration dates or other termination clauses and may require payment of a fee.
        The commitments for equity lines of credit may expire without being drawn upon. Therefore,
        the total commitment amounts do not necessarily represent future cash requirements. The
        amount of collateral obtained, if it is deemed necessary by the Company, is based on
        management&rsquo;s credit evaluation of the customer.</font></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="689" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="665">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Unfunded commitments under commercial lines of credit,
                        revolving credit lines, and overdraft protection agreements are</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">47</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <font size="2">commitments for possible future extensions of credit. Some of these
        commitments are uncollateralized and do not contain a specified maturity date and may not
        be drawn upon to the total extent to which the Company is committed.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Standby letters of credit are conditional commitments issued by the Company
        to guarantee the performance of a customer to a third party. The credit risk involved in
        issuing letters of credit is essentially the same as that involved in extending loans to
        customers. Collateral held varies but may include accounts receivable, inventory, property,
        plant and equipment, and income-producing commercial properties.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company originates mortgage loans for sale to secondary market investors
        subject to contractually specified and limited recourse provisions. In 2007, the Company
        originated $19,780 and sold $20,368 to investors, compared to $19,830 originated and
        $19,022 sold in 2006. Every contract with each investor contains certain recourse language.
        In general, the Company may be required to repurchase a previously sold mortgage loan if
        there is major noncompliance with defined loan origination or documentation standards,
        including fraud, negligence or material misstatement in the loan documents. Repurchase may
        also be required if necessary governmental loan guarantees are canceled or never issued, or
        if an investor is forced to buy back a loan after it has been resold as a part of a loan
        pool. In addition, the Company may have an obligation to repurchase a loan if the mortgagor
        has defaulted early in the loan term. This potential default period is approximately twelve
        months after sale of a loan to the investor.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">At December 31, 2007, the Company had locked-rate commitments to originate
        mortgage loans amounting to approximately $281 and loans held for sale of $220. The Company
        has entered into commitments, on a best-effort basis, to sell loans of approximately $501.
        Risks arise from the possible inability of counterparties to meet the terms of their
        contracts. The Company does not expect any counterparty to fail to meet its
        obligations.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company maintains cash accounts in other commercial banks. The amount on
        deposit with correspondent institutions at December 31, 2007 that exceeded the insurance
        limits of the Federal Deposit Insurance Corporation was $29,593.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Note
        15: Concentrations of Credit Risk</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company does a general banking business, serving the commercial and
        personal banking needs of its customers. NBB&rsquo;s market area, in southwest Virginia is
        made up of the counties of Montgomery, Giles, Pulaski, Tazewell, Wythe, Smyth and
        Washington. It also includes the independent cities of Radford and Galax, and the portions
        of Carroll and Grayson Counties that are adjacent to Galax. In addition, it serves those
        portions of Mercer County and McDowell West Virginia that are contiguous with Tazewell
        County. Substantially all of NBB&rsquo;s loans are made in its market area. The ultimate
        collectibility of the bank&rsquo;s loan portfolio and the ability to realize the value of
        any underlying collateral, if needed, is influenced by the economic conditions of the
        market area. The Company&rsquo;s operating results are therefore closely correlated with
        the economic trends within this area.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">At December 31, 2007 and 2006, approximately $281,647 and $258,212,
        respectively, of the loan portfolio was concentrated in commercial real estate. This
        represents approximately 54% of the loan portfolio at December 31, 2007 and 52% at December
        31, 2006. Included in commercial loans at December 31, 2007 and 2006 was approximately
        $146,777 and $133,049, respectively, in loans for college housing and professional office
        buildings. This represents approximately 28% and 27% of the loan portfolio at December 31,
        2007 and 2006, respectively. Loans secured by residential real estate were approximately
        $147,586 and $151,106 at December 31, 2007 and 2006, respectively. This represents
        approximately 28% of the loan portfolio at December 31, 2007 and 30% at December 31, 2006,
        respectively. Loans secured by automobiles were approximately $15,791 and $16,282 at
        December 31, 2007 and 2006, respectively. This represents approximately 3% of the loan
        portfolio at December 31, 2007 and 2006.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company has established operating policies relating to the credit
        process and collateral in loan originations. Loans to purchase real and personal property
        are generally collateralized by the related property and with loan amounts established
        based on certain percentage limitations of the property&rsquo;s total stated or appraised
        value. Credit approval is primarily a function of collateral and the evaluation of the
        creditworthiness of the individual borrower or project based on available financial
        information. Management considers the concentration of credit risk to be
        minimal.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Note
        16: Fair Value of Financial Instruments and Interest Rate Risk</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The fair value of a financial instrument is the current amount that would be
        exchanged between willing parties, other than in a forced liquidation. Fair value is best
        determined based upon quoted market prices. However, in many instances, there are no quoted
        market prices for the Company&rsquo;s various financial instruments. In cases where quoted
        market prices are not available, fair values are based on estimates using present value or
        other valuation techniques. Those techniques are significantly affected by the assumptions
        used, including the fair discount rate and estimates of future cash flows. Accordingly, the
        fair value estimates may not be realized in an immediate settlement of the instrument. SFAS
        No. 107 excludes certain financial instruments and all nonfinancial instruments from its
        disclosure requirements. Accordingly, the aggregate fair value amounts presented may not
        necessarily represent the underlying fair value of the Company.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Company assumes interest rate risk (the risk that general interest rate
        levels will change) as a result of its normal operations. As a result, the fair values of
        the Company&rsquo;s financial instruments will change when interest rate levels change and
        that change may be either favorable or unfavorable to the Company. Management attempts to
        match maturities of assets and liabilities to the extent believed necessary to minimize
        interest rate risk. However, borrowers with fixed rate obligations are less likely to
        prepay in a rising rate environment. Conversely, depositors who are receiving fixed rates
        are more likely to withdraw funds before maturity in a rising rate environment and less
        likely to do so in a falling rate environment. Management monitors rates and maturities of
        assets and liabilities and attempts to minimize interest rate risk by adjusting terms of
        new loans and deposits.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">48</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
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        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="737" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="713">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The following methods and assumptions were used by the
                        Company in estimating fair value disclosures for financial
                        instruments:</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Cash
        and Due from Banks, Interest-Bearing Deposits, and Federal Funds Sold</font></b></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="288" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="264">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The carrying amounts approximate fair value.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The fair values of securities, excluding restricted stock, are determined by
        quoted market prices or dealer quotes. The fair value of certain state and municipal
        securities is not readily available through market sources other than dealer quotations, so
        fair value estimates are based on quoted market prices of similar instruments adjusted for
        differences between the quoted instruments and the instruments being valued. The carrying
        value of restricted securities approximates fair value based upon the redemption provisions
        of the applicable entities.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Loans
        Held for Sale</font></b></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="641" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="617">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Fair values of loans held for sale are based on commitments
                        on hand from investors or prevailing market prices.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Fair values are estimated for portfolios of loans with similar financial
        characteristics. Loans are segregated by type such as commercial, real estate &ndash;
        commercial, real estate &ndash; construction, real estate &ndash; mortgage, credit card and
        other consumer loans. Each loan category is further segmented into fixed and adjustable
        rate interest terms and by performing and nonperforming categories.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The fair value of performing loans is calculated by discounting scheduled
        cash flows through the estimated maturity using estimated market discount rates that
        reflect the credit and interest rate risk inherent in the loan, as well as estimates for
        prepayments. The estimate of maturity is based on the Company&rsquo;s historical experience
        with repayments for loan classification, modified, as required, by an estimate of the
        effect of economic conditions on lending.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Fair value for significant nonperforming loans is based on estimated cash
        flows which are discounted using a rate commensurate with the risk associated with the
        estimated cash flows. Assumptions regarding credit risk, cash flows and discount rates are
        judgmentally determined using available market information and specific borrower
        information.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The fair value of demand and savings deposits is the amount payable on
        demand. The fair value of fixed maturity term deposits and certificates of deposit is
        estimated using the rates currently offered for deposits with similar remaining
        maturities.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="389" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="365">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">The carrying amounts of accrued interest approximate fair
                        value.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Other
        Borrowed Funds</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.23in; TEXT-ALIGN: justify">
        <font size="2">Other borrowed funds, represents treasury tax and loan deposits, and
        short-term borrowings from the Federal Home Loan Bank. The carrying amount is a reasonable
        estimate of fair value because the deposits are generally repaid within 120 days from the
        transaction date.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">Commitments to Extend Credit and Standby Letters of Credit</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The only amounts recorded for commitments to extend credit, standby letters
        of credit and financial guarantees written are the deferred fees arising from these
        unrecognized financial instruments. These deferred fees are not deemed significant at
        December 31, 2007 and 2006, and, as such, the related fair values have not been
        estimated.</font></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="637" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="613">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The estimated fair values, and related carrying amounts, of
                        the Company&rsquo;s financial instruments are as follows:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="718" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="236">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">December 31,</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="236">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="5">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="236">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Carrying</font></b><br>
                        <b><font size="1">Amount</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Estimated Fair</font></b><br>
                        <b><font size="1">Value</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Carrying</font></b><br>
                        <b><font size="1">Amount</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Estimated Fair</font></b><br>
                        <b><font size="1">Value</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Financial assets:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Cash and due from banks</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">16,324</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">16,324</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">15,283</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">15,283</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest-bearing deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">29,687</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">29,687</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">19,617</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">19,617</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">273,343</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">274,057</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">285,489</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">285,296</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Mortgage loans held for sale</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">220</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">220</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">808</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">808</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Loans, net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">518,435</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">508,453</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">495,486</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">477,859</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Accrued interest receivable</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,711</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,711</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,682</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,682</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Financial liabilities:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">776,339</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">778,130</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">764,692</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">755,564</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Other borrowed funds</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">64</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">64</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">73</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">73</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 19.5pt; TEXT-ALIGN: left">
                        <font size="2">Accrued interest payable</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="72">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">792</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">792</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="82">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">863</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="100">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">863</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><b><font size="2">Note 17:
        Selected Quarterly Data (Unaudited)</font></b></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="716" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="692">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The following is a summary of the unaudited quarterly
                        results of operations for the years ended December 31, 2007 and
                        2006:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">49</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="250">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="250">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">First</font></b><br>
                        <b><font size="1">Quarter</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Second</font></b><br>
                        <b><font size="1">Quarter</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Third</font></b><br>
                        <b><font size="1">Quarter</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Fourth</font></b><br>
                        <b><font size="1">Quarter</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Income Statement Data</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 62.25pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">12,530</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">12,695</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">12,693</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">12,851</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,416</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,370</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,442</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,517</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net interest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">7,114</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">7,325</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">7,251</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">7,334</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Provision for loan losses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">(3</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">13</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">119</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">294</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Noninterest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">2,179</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">2,259</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">2,125</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">2,197</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Noninterest expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,257</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,504</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,100</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">5,095</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Income taxes</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">923</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">927</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">961</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">919</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,116</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,140</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,196</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">3,223</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <b><font size="2">Per Share Data</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Basic net income per share</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">0.45</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">0.45</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">0.46</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">0.46</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Fully diluted net income per share</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">0.45</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">0.45</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">0.46</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">0.46</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Cash dividends per share</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">0.37</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">---</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">0.39</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="250">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Book value per share</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">14.30</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="81">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">14.14</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">14.77</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">15.07</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="246">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="11">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">First</font></b><br>
                        <b><font size="1">Quarter</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Second</font></b><br>
                        <b><font size="1">Quarter</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Third</font></b><br>
                        <b><font size="1">Quarter</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Fourth</font></b><br>
                        <b><font size="1">Quarter</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Income Statement Data:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 64.5pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11,583</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">11,849</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,042</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">12,427</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Interest expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4,238</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4,374</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">4,691</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,261</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net interest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,345</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,475</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,351</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,166</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Provision for loan losses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">17</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">16</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">9</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Noninterest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,059</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,212</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,232</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">2,299</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Noninterest expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,499</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,401</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,396</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,374</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Income taxes</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">885</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">1,052</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">970</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">881</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Net income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,003</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,227</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,201</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,201</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Per Share Data:</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Basic net income per share</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.43</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Fully diluted net income per share</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">0.43</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">0.46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">0.46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">0.46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Cash dividends per share</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">0.36</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">0.37</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="246">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Book value per share</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">13.44</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">13.31</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">14.00</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="84">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right">
                        <font size="2">13.86</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">Note
        18. Intangible Assets and Goodwill</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Effective January 1, 2001, the Company adopted SFAS No. 142, which
        prescribes the accounting for goodwill and intangible assets subsequent to initial
        recognition. The provisions of SFAS No. 142 discontinue the amortization of goodwill and
        intangible assets with indefinite lives but require at least an annual impairment review
        and more frequently if certain impairment indicators are in evidence. Based on the testing
        for impairment of goodwill and intangible assets, there were no impairment charges for
        2007, 2006 or 2005.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">50</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Information concerning goodwill and intangible assets for years ended
        December 31, 2007 and 2006 is presented in the following table:</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="255">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Gross Carrying Value</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Accumulated Amortization</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Net Carrying Value</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="255">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">December 31, 2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="255">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 27pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Amortizable core deposit intangibles</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="115">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">16,257</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="131">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">7,267</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">8,990</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="255">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 27pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Unamortizable goodwill</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="115">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,848</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="131">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,848</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="255">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="115">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="131">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="255">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">December 31, 2006</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="115">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="131">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="255">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 27pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Amortizable core deposit intangibles</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="115">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">16,257</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="131">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">6,129</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">10,128</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="255">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 27pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Unamortizable goodwill</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="16">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="115">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,848</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="131">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="14">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,848</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.25in; TEXT-ALIGN: justify">
        <font size="2">As of December 31, 2007, the estimated amortization expense of core deposit
        intangibles are as follows:</font></p>

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

        <div align="center">
            <table style="BACKGROUND: white; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="288" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="143">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">2008</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="126">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,120</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="143">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">2009</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="126">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,094</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="143">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">2010</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="126">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,084</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="143">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">2011</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="126">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,084</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="143">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">2012</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="126">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">1,084</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="143">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Thereafter</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="126">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">3,524</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="143">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 27pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Total</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="126">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">8,990</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">51</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <font size="2">&nbsp;<img src="img6.gif"><br>
        </font></p>

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

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

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

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><b><font size="2">REPORT
        OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">To the
        Board of Directors and Stockholders</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">National
        Bankshares, Inc.</font></p>

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">We have
        audited the accompanying consolidated balance sheets of National Bankshares, Inc. and
        subsidiaries as of December 31, 2007 and 2006, and the related consolidated statements of
        income, changes in stockholders' equity, and cash flows for each of the years in the
        three-year period ended December 31, 2007. We also have audited National Bankshares, Inc.
        and subsidiaries&rsquo; internal control over financial reporting as of December 31, 2007,
        based on criteria established in</font> <i><font size="2">Internal Control &ndash;
        Integrated Framework</font></i> <font size="2">issued by the Committee of Sponsoring
        Organizations of the Treadway Commission (COSO). National Bankshares, Inc. and
        subsidiaries&rsquo; management is responsible for these financial statements, for
        maintaining effective internal control over financial reporting, and for its assessment of
        the effectiveness of internal control over financial reporting included in the accompanying
        Management&rsquo;s Report on Internal Control over Financial Reporting appearing under Item
        9A. Our responsibility is to express an opinion on these financial statements and an
        opinion on the company's internal control over financial reporting based on our
        audits.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">We
        conducted our audits in accordance with the standards of the Public Company Accounting
        Oversight Board (United States). Those standards require that we plan and perform the
        audits to obtain reasonable assurance about whether the financial statements are free of
        material misstatement and whether effective internal control over financial reporting was
        maintained in all material respects. Our audit of the financial statements included
        examining, on a test basis, evidence supporting the amounts and disclosures in the
        financial statements, assessing the accounting principles used and significant estimates
        made by management, and evaluating the overall financial statement presentation. Our audit
        of internal control over financial reporting included obtaining an understanding of
        internal control over financial reporting, assessing the risk that a material weakness
        exists, and testing and evaluating the design and operating effectiveness of internal
        control based on the assessed risk. Our audits also included performing such other
        procedures as we considered necessary in the circumstances. We believe that our audits
        provide a reasonable basis for our opinions.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">A company's
        internal control over financial reporting is a process designed to provide reasonable
        assurance regarding the reliability of financial reporting and the preparation of financial
        statements for external purposes in accordance with generally accepted accounting
        principles. A company's internal control over financial reporting includes those policies
        and procedures that (1) pertain to the maintenance of records that, in reasonable detail,
        accurately and fairly reflect the transactions and dispositions of the assets of the
        company; (2) provide reasonable assurance that transactions are recorded as necessary to
        permit preparation of financial statements in accordance with generally accepted accounting
        principles, and that receipts and expenditures of the company are being made only in
        accordance with authorizations of management and directors of the company; and (3) provide
        reasonable assurance regarding prevention or timely detection of unauthorized acquisition,
        use, or disposition of the company's assets that could have a material effect on the
        financial statements.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">Because of
        its inherent limitations, internal control over financial reporting may not prevent or
        detect misstatements.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">52</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">Also,
        projections of any evaluation of effectiveness to future periods are subject to the risk
        that controls may become inadequate because of changes in conditions, or that the degree of
        compliance with the policies or procedures may deteriorate.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">In our
        opinion, the consolidated financial statements referred to above present fairly, in all
        material respects, the financial position of National Bankshares, Inc. and subsidiaries as
        of December 31, 2007 and 2006, and the results of their operations and their cash flows for
        each of the years in the three-year period ended December 31, 2007, in conformity with
        accounting principles generally accepted in the United States of America. Also in our
        opinion, National Bankshares, Inc. and subsidiaries maintained, in all material respects,
        effective internal control over financial reporting as of December 31, 2007, based on
        criteria established in</font> <i><font size="2">Internal Control &ndash; Integrated
        Framework</font></i> <font size="2">issued by the Committee of Sponsoring Organizations of
        the Treadway Commission (COSO).</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 1in; TEXT-ALIGN: left">
        <img src="img2.jpg"><br>
        </p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">February
        28, 2008</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">53</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <u><b><font size="2"><a name="item_9"></a>Item 9. Changes In and Disagreements With
        Accountants on Accounting and Financial Disclosure</font></b></u></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="65" border="0">
                <tr>
                    <td valign="top" nowrap width="16">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="49">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">None</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <u><b><font size="2"><a name="item_9a"></a>Item 9A. Controls and
        Procedures</font></b></u></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">Disclosure Controls and Procedures</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">Under the supervision and with the participation of management, including
        our principal executive officer and principal financial officer, we have evaluated the
        effectiveness of the design and operation of our disclosure controls and procedures as of
        the end of the period covered by this annual report. Based on that evaluation, our
        principal executive officer and principal financial officer have concluded that these
        controls and procedures are effective. There were no significant changes in our internal
        controls or in other factors that could significantly affect these controls subsequent to
        the date of their evaluation.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">Disclosure controls and procedures are our controls and procedures that are
        designed to ensure that information required to be disclosed by us in the reports that we
        file or submit under the Exchange Act is accumulated and communicated to our management,
        including our principal executive officer and principal financial officer, as appropriate,
        to allow timely decisions regarding required disclosure.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <b><font size="2">Internal Control Over Financial Reporting</font></b></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="404" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="380">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <i><font size="2">Management&rsquo;s Report on Internal Control Over
                        Financial Reporting.</font></i></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">To the
        Stockholders</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">National
        Bankshares, Inc.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Management is responsible for the preparation and fair presentation of the
        financial statements included in this annual report. The financial statements have been
        prepared in conformity with accounting principles generally accepted in the United States
        of America and reflect management&rsquo;s judgments and estimates concerning effects of
        events and transactions that are accounted for or disclosed.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Management is also responsible for establishing and maintaining adequate
        internal control over financial reporting. The Company&rsquo;s internal control over
        financial reporting includes those policies and procedures that pertain to the
        Company&rsquo;s ability to record, process, summarize and report reliable financial data.
        Management recognizes that there are inherent limitations in the effectiveness of any
        internal control over financial reporting, including the possibility of human error and the
        circumvention or overriding of internal control. Accordingly, even effective internal
        control over financial reporting can provide only reasonable assurance with respect to
        financial statement preparation. Further, because of changes in conditions, the
        effectiveness of internal control over financial reporting may vary over time.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In order to ensure that the Company&rsquo;s internal control over financial
        reporting is effective, management regularly assesses such controls and did so most
        recently for its financial reporting as of December 31, 2007. This assessment was based on
        criteria for effective internal control over financial reporting described in</font>
        <i><font size="2">Internal Control Integrated Framework</font></i> <font size="2">issued by
        the Committee of Sponsoring Organizations (COSO) of the Treadway Commission. Based on this
        assessment, management believes the Company maintained effective internal control over
        financial reporting as of December 31, 2007.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The Board of Directors, acting through its Audit committee, is responsible
        for the oversight of the Company&rsquo;s accounting policies, financial reporting and
        internal control. The Audit Committee of the Board of Directors is comprised entirely of
        outside directors who are independent of management. The Audit Committee is responsible for
        the appointment and compensation of the independent auditor and approves decisions
        regarding the appointment or removal of the Company Auditor. It meets periodically with
        management, the independent auditors and the internal auditors to ensure that they are
        carrying out their responsibilities. The Audit Committee is also responsible for performing
        an oversight role by reviewing and monitoring the financial, accounting and auditing
        procedures of the Company in addition to reviewing the Company&rsquo;s financial reports.
        The independent auditors and the internal auditors have full and unlimited access to the
        Audit Committee, with or without management, to discuss the adequacy of internal control
        over financial reporting, and any other matter which they believe should be brought to the
        attention of the Audit Committee.</font></p>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="734" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="top" width="322">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">/s/ JAMES G. RAKES</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="90">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="top" width="322">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">/s/ J. ROBERT BUCHANAN</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="322">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Chairman, President and</font></p>

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

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="90">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="322">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Treasurer and</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Chief Financial Officer</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">54</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">
        <u><a name="item_9b"></a><b><font size="2">Item 9B. Other Information</font></b></u></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="124" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="100">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Not Applicable</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <u><b><font size="2"><a name="part_iii"></a>Part III</font></b></u></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">
        <u><b><font size="2"><a name="item_10"></a>Item 10. Directors, Executive Officers and
        Corporate Governance</font></b></u></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Information with respect to the directors of Bankshares is set out under the
        caption &ldquo;Election of Directors&rdquo; on pages 2 and 3 of Bankshares&rsquo; Proxy
        Statement dated March 12, 2008 which information is incorporated herein by
        reference.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">The Board of Directors of Bankshares has a standing audit committee made up
        entirely of independent directors, as that term is defined in the NASDAQ Stock Market
        Rules. In 2007, Dr.&nbsp;J. M. Lewis chaired the Audit Committee and its members were
        Mr.&nbsp;L. J. Ball, Mr. J. W. Bowling and Mr.&nbsp;J. H. Harry. Each member of the Audit
        Committee has extensive business experience; however, the Committee has identified
        Dr.&nbsp;Lewis as its financial expert, since he has a professional background which
        involves financial oversight responsibilities. Dr.&nbsp;Lewis currently oversees the
        preparation of financial statements in his role as President of New River Community
        College. He previously served as the College&rsquo;s Chief Financial Officer. The Audit
        Committee&rsquo;s Charter is available on the Company&rsquo;s web site at
        www.nationalbankshares.com.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">The Company and each of its subsidiaries have adopted Codes of Ethics for
        directors, officers and employees, specifically including the Chief Executive Officer and
        Chief Financial Officer of Bankshares. These Codes of Ethics are available on the
        Company&rsquo;s web site at www.nationalbankshares.com.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The following is a list of names and ages of all executive officers of
        Bankshares; their terms of office as officers; the positions and offices within Bankshares
        held by each officer; and each person&rsquo;s principal occupation or employment during the
        past five years.</font></p>

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

        <div align="left">
            <table style="MARGIN-LEFT: 0pt; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="724" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="211">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="1">Name</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="53">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Age</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="311">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Offices and Positions Held</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="148">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Year Elected an Officer/Director</font></b></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="211">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">James G. Rakes</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="53">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">63</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="311">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Chairman, President and Chief Executive Officer, National
                        Bankshares, Inc.; President and Chief Executive Officer of The National
                        Bank of Blacksburg since 1983 and Chairman since 2005. Chairman, President
                        and Treasurer of National Bankshares Financial Services, Inc. since
                        2001.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="148">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">1986</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="211">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">J. Robert Buchanan</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="53">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">57</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="311">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Treasurer, National Bankshares, Inc.; Executive Vice
                        President/Chief Financial Officer of The National Bank of Blacksburg since
                        2006; prior thereto Executive Vice President/Chief Operating Officer and
                        Secretary of Bank of Tazewell County since 2003; prior thereto Cashier and
                        Senior Vice President/Chief Financial Officer of The National Bank of
                        Blacksburg since 1998.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="148">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">1998</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="211">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Marilyn B. Buhyoff</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="53">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">59</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="311">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Secretary &amp; Counsel, National Bankshares, Inc.; Counsel
                        of The National Bank of Blacksburg since 1989, Trust Officer since 2004,
                        and prior thereto Senior Vice President/ Administration, since 1992.
                        Secretary of National Bankshares Financial Services, Inc. since 2001, and
                        Executive Vice President since 2004.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="148">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">1989</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="211">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">F. Brad Denardo</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="53">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">55</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="311">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Corporate Officer, National Bankshares, Inc.; Executive Vice
                        President/Chief Operating Officer of The National Bank of Blacksburg since
                        2002; prior thereto Executive Vice President/Loans of The National Bank of
                        Blacksburg since 1989.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="148">
                        <p style="MARGIN-TOP: 0.9pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">1989</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <u><b><font size="2"><a name="item_11"></a>Item 11. Executive
        Compensation</font></b></u></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 6pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">The information set forth under &ldquo;Executive Compensation&rdquo; on
        pages 8 through 15 of Bankshares&rsquo; Proxy Statement dated March 12, 2008 is
        incorporated herein by reference.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">55</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 6pt; TEXT-ALIGN: justify">
        <a name="item_12"></a><u><b><font size="2">Item 12. Security Ownership of Certain
        Beneficial Owners and Management and Related Stockholder Matters</font></b></u>
        <font size="2">&nbsp;</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">The information contained under &ldquo;Stock Ownership of Directors and
        Executive Officers&rdquo; on pages 1 and 2 of Bankshares&rsquo; Proxy Statement dated March
        12, 2008 for the Annual Meeting of Stockholders to be held April 8, 2008 is incorporated
        herein by reference.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">The
        following table summarizes information concerning National Bankshares equity compensation
        plans at December 31, 2007:</font></p>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="295">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Plan Category</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Number of Shares to be</font></b><br>
                        <b><font size="1">Issued upon Exercise of</font></b><br>
                        <b><font size="1">Outstanding Options</font></b><br>
                        <b><font size="1">and Warrants</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Weighted Average Exercise</font></b><br>
                        <b><font size="1">Price of Outstanding</font></b><br>
                        <b><font size="1">Options and Warrants</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="138">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Number of Shares Remaining</font></b><br>
                        <b><font size="1">Available for Future Issuance</font></b><br>
                        <b><font size="1">Under Equity Compensation</font></b><br>
                        <b><font size="1">Plans (Excluding Shares</font></b><br>
                        <b><font size="1">Reflected in First Column)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="295">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Equity compensation plans approved by stockholders-1999
                        Stock Incentive Plan</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">145,000</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="103">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21.46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="138">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">286,000</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="295">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Equity compensation plans not approved by
                        stockholders</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="103">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="138">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="295">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
                        <font size="2">Total</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="111">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">145,000</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="23">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="103">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">21.46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="138">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">286,000</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="13">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <u><b><font size="2"><a name="item_13"></a>Item 13. Certain Relationships and Related
        Transactions, and Director Independence</font></b></u></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">The information contained under &ldquo;Director Independence and Certain
        Transactions With Officers and Directors&rdquo; on pages 4 and 5 of Bankshares&rsquo; Proxy
        Statement dated March 12, 2008 is incorporated herein by reference.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <u><b><font size="2"><a name="item_14"></a>Item 14. Principal Accounting Fees and
        Services</font></b></u></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0.9pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: left">
        <font size="2">The following fees were paid to Yount, Hyde &amp; Barbour, P.C., Certified
        Public Accountants, for services provided to Bankshares for the years ended December 31,
        2007 and 2006. The Audit Committee determined that the provision of non-audit services by
        Yount, Hyde &amp; Barbour P.C. did not compromise the firm&rsquo;s ability to maintain its
        independence.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="257" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 0in; PADDING-LEFT: 0in; PADDING-BOTTOM: 0.9pt; PADDING-TOP: 0in" valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0.9pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0in; PADDING-LEFT: 0in; PADDING-BOTTOM: 0.9pt; PADDING-TOP: 0in" valign="top" nowrap width="233">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Principal Accounting Fees and Services</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: -0.1in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="183">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="4">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">2006</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="183">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Fees</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Percentage</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Fees</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Percentage</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="183">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Audit fees</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">85,750</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">74</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">76,000</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">71</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="183">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Audit-related fees</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">20,824</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">18</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">26,000</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">24</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="183">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        <font size="2">Tax fees</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">9,954</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">8</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5,500</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">5</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="183">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="8">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">$</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="106">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">116,528</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <b><font size="2">100</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="36">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <b><font size="2">%</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="12">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="90">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">107,500</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 2.25pt double" valign="bottom" width="108">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">
                        <font size="2">100</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="18">
                        <p style="MARGIN-TOP: 1.5pt; MARGIN-BOTTOM: 0.5pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">%</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: -0.1in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="488" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 0in; PADDING-LEFT: 0in; PADDING-BOTTOM: 0.9pt; PADDING-TOP: 0in" valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0.9pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0in; PADDING-LEFT: 0in; PADDING-BOTTOM: 0.9pt; PADDING-TOP: 0in" valign="top" nowrap width="464">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Audit fees: Audit and review services and review of
                        documents filed with the SEC.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="701" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 0in; PADDING-LEFT: 0in; PADDING-BOTTOM: 0.9pt; PADDING-TOP: 0in" valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0.9pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0in; PADDING-LEFT: 0in; PADDING-BOTTOM: 0.9pt; PADDING-TOP: 0in" valign="top" nowrap width="677">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Audit-related fees: Employee benefit plan audits and
                        consultation concerning financial accounting and reporting
                        standards.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0.9pt; MARGIN-LEFT: -0.1in; TEXT-INDENT: 0.29in; TEXT-ALIGN: left">
        <font size="2">Tax fees: Preparation of federal and state tax returns, review of quarterly
        estimated tax payments and consultation concerning tax compliance issues.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: -0.1in; TEXT-ALIGN: left">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0.9pt; MARGIN-LEFT: -0.1in; TEXT-INDENT: 0.29in; TEXT-ALIGN: left">
        <font size="2">The Audit Committee of the Board of Directors meets in advance and
        specifically approves of the provision of all services of Yount, Hyde &amp; Barbour,
        P.C.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">
        <u><b><font size="2"><a name="part_iv"></a>Part IV</font></b></u></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <u><b><font size="2"><a name="item_15"></a>Item 15. Exhibits, Financial Statement
        Schedules</font></b></u> <font size="2">&nbsp;</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">(a)
        (1) Financial Statements</font></b></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="559" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="535">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The following consolidated financial statements of National
                        Bankshares, Inc. are included in Item 8:</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.75in; TEXT-ALIGN: justify">
        <font size="2">Report of Independent Registered Public Accounting Firm</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.75in; TEXT-ALIGN: justify">
        <font size="2">Consolidated Balance Sheets &ndash; As of December 31, 2007 and
        2006</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.75in; TEXT-ALIGN: justify">
        <font size="2">Consolidated Statements of Income &ndash; Years ended December 31, 2007,
        2006 and 2005</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.75in; TEXT-ALIGN: justify">
        <font size="2">Consolidated Statements of Changes in Stockholders Equity &ndash; Years
        ended December 31, 2007, 2006 and 2005</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">56</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.75in; TEXT-ALIGN: justify">
        <font size="2">Consolidated Statements of Cash Flows &ndash; Years ended December 31, 2007,
        2006 and 2005</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.75in; TEXT-ALIGN: justify">
        <font size="2">Notes to Consolidated Financial Statements</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.75in; TEXT-INDENT: -0.75in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.75in; TEXT-INDENT: -0.75in; TEXT-ALIGN: justify">
        <b><font size="2">(a) (2) Financial Statement Schedules</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">Certain schedules to the consolidated financial statements have been omitted
        if they were not required by Article 9 of Regulation S-X or if, under the related
        instructions, they were inapplicable, or if the information is contained elsewhere in this
        Annual Report on Form 10-K.</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><b><font size="2">(a)
        (3) Exhibits</font></b></p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="509" border="0">
                <tr>
                    <td valign="top" nowrap width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="485">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">A list of the exhibits filed or incorporated in this Annual
                        Report by reference is as follows:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr style="HEIGHT: 21.15pt">
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid; HEIGHT: 21.15pt" valign="top" width="95">
                        <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Exhibit No.</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid; HEIGHT: 21.15pt" valign="top" width="389">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>

                        <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Description</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid; HEIGHT: 21.15pt" valign="top" width="236">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Page No. in</font></b></p>

                        <p style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Sequential System</font></b></p>
                    </td>
                </tr>

                <tr style="HEIGHT: 43.65pt">
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 43.65pt" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">3(i)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 43.65pt" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Articles of Incorporation, as amended, of National
                        Bankshares, Inc.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 43.65pt" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">(incorporated herein by reference to</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Exhibit 3(a) of the Annual Report on</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Form 10K for fiscal year ended</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">December 31, 1993)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">3(i)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Articles of Amendment to Articles of Incorporation of
                        National Bankshares, Inc., dated April 8, 2003</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(incorporated herein by reference to Exhibit 3(i) of the
                        Annual Report on Form 10K for fiscal year ended December 31,
                        2003)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">3(i)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Amended and Restated Articles of Incorporation of National
                        Bankshares, Inc.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(incorporated herein by reference to Exhibit 3.1 of the Form
                        8K for filed on March 16, 2006)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">+3(ii)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Amended By-laws of National Bankshares, Inc.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Page 66 - 73</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">4(i)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Specimen copy of certificate for National Bankshares, Inc.
                        common stock</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">(incorporated herein by reference to Exhibit 4(a) of the
                        Annual Report on Form 10K for fiscal year ended December 31,
                        1993)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">4(i)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Article Four of the Articles of Incorporation of National
                        Bankshares, Inc. included in Exhibit No. 3(a)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">(incorporated herein by reference to</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Exhibit 4(b) of the Annual Report on</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Form 10K for fiscal year ended</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">December 31, 1993)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">10(ii)(B)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Computer software license agreement dated June 18, 1990, by
                        and between Information Technology, Inc. and The National Bank of
                        Blacksburg</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">(incorporated herein by reference to</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Exhibit 10(e) of the Annual Report on</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Form 10K for fiscal year ended</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">December 31, 1992)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">*10(iii)(A)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">National Bankshares, Inc. 1999 Stock Option Plan</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(incorporated herein by reference to Exhibit 4.3 of the Form
                        S-8, filed as Registration No. 333-79979 with the Commission on June 4,
                        1999)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">*10(iii)(A)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Employment Agreement dated January 2002 between National
                        Bankshares, Inc. and James G. Rakes</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(incorporated herein by reference to Exhibit 10(iii)(A) of
                        Form 10Q for the period ended June 30, 2002)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">*10(iii)(A)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Employee Lease Agreement dated August 14, 2002, between
                        National Bankshares, Inc. and The National Bank of Blacksburg</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(incorporated herein by reference to Exhibit 10 (iii) (A) of
                        Form 10Q for the period ended September 30, 2002)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">*10(iii)(A)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Change in Control Agreement dated January 5, 2003, between
                        National Bankshares, Inc. and Marilyn B. Buhyoff</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(incorporated herein by reference to Exhibit 10 (iii) (A) of
                        Form 10K for the period ended December 31, 2002)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">*10(iii)(A)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Change in Control Agreement dated January 8, 2003, between
                        National Bankshares, Inc. and F. Brad Denardo</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(incorporated herein by reference to Exhibit 10 (iii) (A) of
                        Form 10K for the period ended December 31, 2002)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">*10(iii)(A)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Salary Continuation Agreement dated February 8, 2006,
                        between The National Bank of Blacksburg and James G. Rakes</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(incorporated herein by reference to Exhibit 10(iii)(A) of
                        the Form 8K filed on February 8, 2006)</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">57</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">*10(iii)(A)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Salary Continuation Agreement dated February 8, 2006,
                        between Bank of Tazewell County and J. Robert Buchanan</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(incorporated herein by reference to Exhibit 10(iii)(A) of
                        the Form 8K filed on February 8, 2006)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">*10(iii)(A)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Salary Continuation Agreement dated February 8, 2006,
                        between The National Bank of Blacksburg and F. Brad Denardo</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(incorporated herein by reference to Exhibit 10(iii)(A) of
                        the Form 8K filed on February 8, 2006)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">*10(iii)(A)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Salary Continuation Agreement dated February 8, 2006,
                        between</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">National Bankshares, Inc. and Marilyn B. Buhyoff</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(incorporated herein by reference to Exhibit 10(iii)(A) of
                        the Form 8K filed on February 8, 2006)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">*10(iii)(A)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">First Amendment to The National Bank of Blacksburg Salary
                        Continuation Agreement for James G. Rakes</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(incorporated herein by reference to Exhibit 10(iii)(A) of
                        the Form 8K filed on December 19, 2007)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">*10(iii)(A)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">First Amendment to Bank of Tazewell County Salary
                        Continuation Agreement for J. Robert Buchanan</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(incorporated herein by reference to Exhibit 10(iii)(A) of
                        the Form 8K filed on December 19, 2007)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">*10(iii)(A)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">First Amendment to The National Bank of Blacksburg Salary
                        Continuation Agreement for F. Brad Denardo</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(incorporated herein by reference to Exhibit 10(iii)(A) of
                        the Form 8K filed on December 19, 2007)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">*10(iii)(A)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">First Amendment to National Bankshares, Inc. Salary
                        Continuation Agreement for Marilyn B. Buhyoff</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(incorporated herein by reference to Exhibit 10(iii)(A) of
                        the Form 8K filed on December 19, 2007)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">+21(i)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Subsidiaries of National Bankshares, Inc.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Page 64</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">+23</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Consent of Yount, Hyde &amp; Barbour, P.C. to incorporation
                        by reference of independent auditor&rsquo;s report included in this Form
                        10-K, into registrant&rsquo;s registration statement on Form S-8</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Page 65</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">+31(i)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Section 906 Certification of Chief Executive
                        Officer</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Page 59</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">+31(ii)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Section 906 Certification of Chief Financial
                        Officer</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Page 60</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">+32(i)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">18 U.S.C. Section 1350 Certification of Chief Executive
                        Officer</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Page 62</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="95">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">+32(ii)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="389">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">18 U.S.C. Section 1350 Certification of Chief Financial
                        Officer</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="236">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Page 62</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <font size="2">*Indicates a management contract or compensatory plan required to be filed
        herein.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">+Filed
        with this Annual Report on Form 10-K.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.62in; TEXT-ALIGN: center">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">
        <b><font size="2"><a name="signatures"></a>Signatures</font></b></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.21in; TEXT-ALIGN: justify">
        <font size="2">Pursuant to the requirements of Section 13 or 15(d) of the Securities
        Exchange Act of 1934, National Bankshares, Inc. has duly caused this report to be signed on
        its behalf by the undersigned, thereunto duly authorized.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="544" border="0">
                <tr>
                    <td valign="top" nowrap width="336">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="208">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">NATIONAL BANKSHARES, INC.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="MARGIN-LEFT: 257.4pt; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="288" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="top" width="276">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">/s/ JAMES G. RAKES</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="276">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">James G. Rakes</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Chairman, President &amp; Chief Executive Officer</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">(Principal Executive Officer)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="276">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="top" width="276">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">/s/ J. ROBERT BUCHANAN</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="276">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">J. Robert Buchanan</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Treasurer</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">(Principal Financial Officer)</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="276">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="276">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Date: March 12, 2008</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">58</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">Exhibit
        No. 31(i)</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <font size="2">CERTIFICATIONS UNDER SECTION 906 OF THE SARBANES OXLEY ACT OF
        2002</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">I, James G.
        Rakes, Chairman, President and Chief Executive Officer of National Bankshares, Inc.,
        certify that:</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">1.</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">I have reviewed this annual report on Form 10-K of National
                        Bankshares, Inc.;</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">2.</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Based on my knowledge, this report does not contain any
                        untrue statement of a material fact or omit to state a material fact
                        necessary to make the statements made, in light of the circumstances under
                        which such statements were made, not misleading with respect to the period
                        covered by this report;</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">3.</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Based on my knowledge, the financial statements, and other
                        financial information included in this report, fairly present in all
                        material respects the financial condition, results of operations and cash
                        flows of the registrant as of, and for, the periods presented in this
                        report;</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">4.</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The registrant&rsquo;s other certifying officer(s) and I are
                        responsible for establishing and maintaining disclosure controls and
                        procedures (as defined in Exchange Act Rules 13a &ndash; 15 (e) and 15d
                        &ndash; 15 (e)) and internal control over financial reporting (as defined
                        in Exchange Act Rules 13a &ndash; 15(f) and 15d &ndash; 15(f)) for the
                        registrant and have:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(a)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Designed such disclosure controls and procedures, or caused
                        such disclosure controls and procedures to be designed under our
                        supervision, to ensure that material information relating to the
                        registrant, including its consolidated subsidiaries, is made known to us by
                        others within those entities, particularly during the period in which this
                        report is being prepared;</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(b)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Designed such internal control over financial reporting, or
                        caused such internal control over financial reporting to be designed under
                        our supervision, to provide reasonable assurance regarding the reliability
                        of financial reporting and the preparation of financial statements for
                        external purposes in accordance with generally accepted accounting
                        principles;</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(c)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Evaluated the effectiveness of the registrant&rsquo;s
                        disclosure controls and procedures and presented in this report our
                        conclusions about the effectiveness of the disclosure controls and
                        procedures, as of the end of the period covered by this report based on
                        such evaluations; and</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(d)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Disclosed in this report any change in the
                        registrant&rsquo;s internal control over financial reporting that occurred
                        during the registrant&rsquo;s most recent fiscal quarter (the
                        registrant&rsquo;s fourth fiscal quarter in the case of an annual report)
                        that has materially affected, or is reasonably likely to materially affect,
                        the registrant&rsquo;s internal control over financial reporting;
                        and</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">5.</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The registrant&rsquo;s other certifying officer(s) and I
                        have disclosed, based on our most recent evaluation of internal control
                        over financial reporting, to the registrant&rsquo;s auditors and the audit
                        committee of the registrant&rsquo;s board of directors (or persons
                        performing the equivalent functions):</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(a)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">All significant deficiencies and material weaknesses in the
                        design or operation of internal control over financial reporting which are
                        reasonably likely to adversely affect the registrant&rsquo;s ability to
                        record, process, summarize and report financial information; and</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(b)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Any fraud, whether or not material, that involves management
                        or other employees who have a significant role in the registrant&rsquo;s
                        internal control over financial reporting.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">Date: March
        12, 2008</font></p>

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

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

        <div align="left">
            <table style="MARGIN-LEFT: 257.4pt; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="288" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="top" width="391">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">/s/ JAMES G. RAKES</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="391">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">James G. Rakes</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Chairman, President &amp; Chief Executive Office</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">(Principal Executive Officer)</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">59</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">Exhibit
        31(ii)</font><font size="1">&nbsp;&nbsp;&nbsp;&nbsp;</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">I, J.
        Robert Buchanan, Treasurer (Chief Financial Officer) of National Bankshares, Inc., certify
        that:</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">1.</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">I have reviewed this annual report on Form 10-K of National
                        Bankshares, Inc.;</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">2.</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Based on my knowledge, this report does not contain any
                        untrue statement of a material fact or omit to state a material fact
                        necessary to make the statements made, in light of the circumstances under
                        which such statements were made, not misleading with respect to the period
                        covered by this report;</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">3.</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Based on my knowledge, the financial statements, and other
                        financial information included in this report, fairly present in all
                        material respects the financial condition, results of operations and cash
                        flows of the registrant as of, and for, the periods presented in this
                        report;</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">4.</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The registrant&rsquo;s other certifying officer(s) and I are
                        responsible for establishing and maintaining disclosure controls and
                        procedures (as defined in Exchange Act Rules 13a &ndash; 15 (e) and 15d
                        &ndash; 15 (e)) and internal control over financial reporting (as defined
                        in Exchange Act Rules 13a &ndash; 15(f) and 15d &ndash; 15(f)) for the
                        registrant and have:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(a)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Designed such disclosure controls and procedures, or caused
                        such disclosure controls and procedures to be designed under our
                        supervision, to ensure that material information relating to the
                        registrant, including its consolidated subsidiaries, is made known to us by
                        others within those entities, particularly during the period in which this
                        report is being prepared; and</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(b)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Designed such internal control over financial reporting, or
                        caused such internal control over financial reporting to be designed under
                        our supervision, to provide reasonable assurance regarding the reliability
                        of financial reporting and the preparation of financial statements for
                        external purpose in accordance with generally accepted accounting
                        principles;</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(c)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Evaluated the effectiveness of the registrant&rsquo;s
                        disclosure controls and procedures and presented in this report our
                        conclusions about the effectiveness of the disclosure controls and
                        procedures, as of the end of the period covered by this report based on
                        such evaluations; and</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(d)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Disclosed in this report any change in the
                        registrant&rsquo;s internal control over financial reporting that occurred
                        during the registrant&rsquo;s most recent fiscal quarter (the
                        registrant&rsquo;s fourth fiscal quarter in the case of an annual report)
                        that has materially affected, or is reasonably likely to materially affect,
                        the registrant&rsquo;s internal control over financial reporting;
                        and</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">5.</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The registrant&rsquo;s other certifying officer(s) and I
                        have disclosed, based on our most recent evaluation of internal control
                        over financial reporting, to the registrant&rsquo;s auditors and the audit
                        committee of the registrant&rsquo;s board of directors (or persons
                        performing the equivalent functions):</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(a)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">All significant deficiencies and material weaknesses in the
                        design or operation of internal control over financial reporting which are
                        reasonably likely to adversely affect the registrant&rsquo;s ability to
                        record, process, summarize and report financial information; and</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(b)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Any fraud, whether or not material, that involves management
                        or other employees who have a significant role in the registrant&rsquo;s
                        internal control over financial reporting.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><font size="2">Date: March
        12, 2008</font></p>

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

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

        <div align="left">
            <table style="MARGIN-LEFT: 257.4pt; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="288" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="top" width="391">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">/s/ J. ROBERT BUCHANAN</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="391">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">J. Robert Buchanan</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Treasurer</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">(Principal Financial Officer)</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">60</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">Pursuant
        to the requirements of the Securities Exchange Act of 1934, this report has been signed by
        the following persons on behalf of the Registrant and in the capacities and on the date
        indicated.</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <u><b><font size="1">Date</font></b></u></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <u><b><font size="1">Title</font></b></u></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="HEIGHT: 13.5pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">/s/ L. J. BALL</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <u><font size="2">03/12/2008</font></u></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Director</font></p>
                    </td>
                </tr>

                <tr style="HEIGHT: 13.5pt">
                    <td style="PADDING-RIGHT: 0.05in; BORDER-TOP: black 1pt solid; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">L. J. Ball</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="HEIGHT: 13.5pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="HEIGHT: 13.5pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid; HEIGHT: 13.5pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">/s/ J. W. Bowling</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <u><font size="2">03/12/2008</font></u></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Director</font></p>
                    </td>
                </tr>

                <tr style="HEIGHT: 13.5pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Jack W. Bowling</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="HEIGHT: 13.5pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="HEIGHT: 13.5pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid; HEIGHT: 13.5pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">/s/ J. H. HARRY</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <u><font size="2">03/12/2008</font></u></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Director</font></p>
                    </td>
                </tr>

                <tr style="HEIGHT: 13.5pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">J. H. Harry</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="HEIGHT: 13.5pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid; HEIGHT: 13.5pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">/s/ J. M. LEWIS</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <u><font size="2">03/12/2008</font></u></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Director</font></p>
                    </td>
                </tr>

                <tr style="HEIGHT: 13.5pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">J. M. Lewis</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="HEIGHT: 13.5pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid; HEIGHT: 13.5pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">/s/ M. G. MILLER</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <u><font size="2">03/12/2008</font></u></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Director</font></p>
                    </td>
                </tr>

                <tr style="HEIGHT: 13.5pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">M. G. Miller</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="279">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="HEIGHT: 12.15pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid; HEIGHT: 12.15pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">/s/ W. A. PEERY</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 12.15pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <u><font size="2">03/12/2008</font></u></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 12.15pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Director</font></p>
                    </td>
                </tr>

                <tr style="HEIGHT: 20.25pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 20.25pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">W. A. Peery</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 20.25pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 20.25pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="HEIGHT: 13.5pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid; HEIGHT: 13.5pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">/s/ J. G. RAKES</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <u><font size="2">03/12/2008</font></u></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Chairman of the Board</font></p>
                    </td>
                </tr>

                <tr style="HEIGHT: 13.5pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">J. G. Rakes</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.5pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">President and Chief Executive Officer &ndash;</font></p>

                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">National Bankshares, Inc.</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="HEIGHT: 13.15pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid; HEIGHT: 13.15pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">/s/ G. P. REYNOLDS</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.15pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <u><font size="2">03/12/2008</font></u></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.15pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Director</font></p>
                    </td>
                </tr>

                <tr style="HEIGHT: 13.1pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.1pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">G. P. Reynolds</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.1pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 13.1pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="231">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>

                <tr style="HEIGHT: 4.35pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid; HEIGHT: 4.35pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">/s/ J. M. SHULER</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 4.35pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <u><font size="2">03/12/2008</font></u></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 4.35pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Director</font></p>
                    </td>
                </tr>

                <tr style="HEIGHT: 4.35pt">
                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 4.35pt" valign="top" width="210">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">J. M. Shuler</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 4.35pt" valign="top" width="231">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        &nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.05in; PADDING-LEFT: 0.05in; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 4.35pt" valign="top" width="279">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">61</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
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        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <font size="2">CERTIFICATION OF CHIEF EXECUTIVE OFFICER</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><font size="2">PURSUANT
        TO U.S.C. SECTION 1350</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In connection with the Form 10-K of National Bankshares, Inc. for the year
        ended December 31, 2007, I, James G. Rakes, Chairman, President and Chief Executive Officer
        of National Bankshares, Inc., hereby certify pursuant to 18 U.S.C. Section 1350, as adopted
        pursuant to section 906 of the Sarbanes-Oxley Act of 2002, to the best of my knowledge and
        belief that:</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="36">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(1)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">such Form 10-K for the year ended December 31, 2007, fully
                        complies with the requirements of section 13(a) or 15(d) of the Securties
                        Act of 1934; and</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="36">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="24">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(2)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">the information contained in such Form 10-K for the year
                        ended December 31, 2007, fairly presents in all material respects, the
                        financial condition and results of operations of National Bankshares,
                        Inc.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="MARGIN-LEFT: 257.4pt; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="288" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="top" width="391">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">/s/ JAMES G. RAKES</font></p>
                    </td>
                </tr>

                <tr style="HEIGHT: 4pt">
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 4pt" valign="top" width="391">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">James G. Rakes</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Chairman, President &amp; Chief Executive Office</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">(Principal Executive Officer)</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

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

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

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

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <font size="2">CERTIFICATION OF CHIEF EXECUTIVE OFFICER</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><font size="2">PURSUANT
        TO U.S.C. SECTION 1350</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.22in; TEXT-ALIGN: justify">
        <font size="2">In connection with the Form 10-K of National Bankshares, Inc. for the year
        ended December 31, 2007, I, J. Robert Buchanan, Treasurer of National Bankshares, Inc.,
        hereby certify pursuant to 18 U. S. C. Section 1350, as adopted pursuant to section 906 of
        the Sarbanes-Oxley Act of 2002, to the best of my knowledge and belief that:</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.62in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
        <font size="2">(1) such Form 10-K for the year ended December 31, 2007, fully complies with
        the requirements of section 13(a) or 15(d) of the Securties Act of 1934; and</font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.62in; TEXT-INDENT: -0.25in; TEXT-ALIGN: justify">
        <font size="2">(2) the information contained in such Form 10-K for the year ended December
        31, 2007, fairly presents in all material respects, the financial condition and results of
        operations of National Bankshares, Inc.</font></p>

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

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

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

        <div align="left">
            <table style="MARGIN-LEFT: 257.4pt; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="288" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="top" width="391">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">/s/ J. ROBERT BUCHANAN</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="391">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">J. Robert Buchanan</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Treasurer</font></p>

                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">(Principal Financial Officer)</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">62</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <a name="index_exhibits"></a><u><b><font size="2">Index of Exhibits</font></b></u></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: justify">
        <font size="2">The following exhibits are filed with this Annual Report on Form
        10-K.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="720" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="top" width="110">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Exhibit No.</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="top" width="356">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Title</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="top" width="214">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <b><font size="1">Page Number</font></b></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="110">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">21(i)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="356">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Subsidiaries of National Bankshares, Inc.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="214">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">Page 64</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="110">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">23</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="356">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Consent of Yount, Hyde &amp; Barbour, P.C. to incorporation
                        by reference of independent auditor&rsquo;s report included in this Form
                        10-K, into registrant&rsquo;s registration statement on Form
                        S-8.</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="214">
                        <p style="MARGIN-TOP: 1.6pt; MARGIN-BOTTOM: 2.7pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">Page 65</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="110">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">31(i)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="356">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Section 906 Certification of Chief Executive
                        Officer</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="214">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">Page 59</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="110">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">31(ii)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="356">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">Section 906 Certification of Chief Financial
                        Officer</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="214">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">Page 60</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="110">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">32(i)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="356">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">18 U.S.C. Section 1350 Certification of Chief Executive
                        Officer</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; BACKGROUND: #d9d9d9; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="214">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">Page 62</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="110">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">32(ii)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="356">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">18 U.S.C. Section 1350 Certification of Chief Financial
                        Officer</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 1.4pt; PADDING-LEFT: 1.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" width="214">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 2.15pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">
                        <font size="2">Page 62</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">63</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">Exhibit
        No. 21(i)</font></p>

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><font size="2">NATIONAL
        BANKSHARES, INC.</font></p>

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><img src="img3.jpg"><br>
        </p>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">64</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: left">
        <img src="img4.jpg"><br>
        </p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: center">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: center">
        <b><font size="2">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</font></b></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: center">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: left">
        <font size="2">We consent to the incorporation by reference in Registration Statement No.
        333-79979 on Form S-8 of National Bankshares, Inc. of our report dated February 28, 2008
        relating to our audits of the consolidated financial statements and internal control over
        financial reporting, which appear in this Annual Report on Form 10-K of National
        Bankshares, Inc. for the year ended December 31, 2007.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: left">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="455" border="0">
                <tr>
                    <td valign="top" nowrap width="84">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 129.6%; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="371">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <img src="img5.jpg"><br>
                        </p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: left">
        <font size="2">Winchester, Virginia</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-ALIGN: left">
        <font size="2">March 12, 2008</font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="387" border="0">
                <tr>
                    <td valign="top" nowrap width="355">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="32">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">65</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

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

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

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

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

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

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <font size="2"><font size="2">NATIONAL BANKSHARES, INC</font></font></p>

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

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

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

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <font size="2"><font size="2">Adopted November 24, 1993</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <font size="2"><font size="2">Amended May 29, 1996</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <font size="2"><font size="2">Amended November 14, 2007</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <font size="2"><font size="2">ARTICLE I. SHAREHOLDERS</font></font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 1.1.</font> <u><font size="2">Annual
        Meeting.</font></u></font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">The annual meeting of the shareholders to elect and for the
        transaction of such other business as may properly come before the meeting shall be held on
        the second Tuesday in April each year or, if such date falls on a legal holiday, the next
        business day.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 1.2.</font> <u><font size="2">Special
        Meetings.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">Special meetings of shareholders may be called by the
        Chairman of the Board of Directors, the President or by a majority of the Board of
        Directors. Business transacted at all special meetings shall be confined to the purpose(s)
        stated in the notice.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 1.3.</font> <u><font size="2">Place of
        Meeting.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">The Board of Directors (the &ldquo;Board&rdquo;) may
        designate any place inside or outside Virginia for any annual or special meeting of the
        shareholders. If no designation is made, the meeting will be at the principal office of the
        Corporation.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 1.4.</font> <u><font size="2">Notice of
        Meeting.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">Except as otherwise required by the Virginia Stock
        Corporation Act, as now in effect or hereafter from time to time amended (the
        &ldquo;Act&rdquo;), written notice stating the time and location of the meeting, and, in
        case of a special meeting, the purpose(s) of the meeting, shall be delivered not less than
        ten nor more than sixty days before the meeting date, either personally or by mail, to each
        shareholder of record entitled to vote at such meeting. If mailed, the notice will be
        deemed to be delivered when deposited in the United States mail, postage prepaid, addressed
        to the shareholder at his address as it appears on the stock transfer books of the
        Corporation.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 1.5.</font> <u><font size="2">Closing of Transfer
        Books or Fixing of Record Date.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">For the purpose of determining shareholders entitled to
        notice of or vote at any shareholders&rsquo; meeting, or any adjournment thereof, or
        entitled to receive payment of any dividend, or in order to determine shareholders for any
        other proper purpose, the Board may close the stock transfer books for a stated period not
        to exceed seventy days. If the stock transfer books are closed to determine shareholders
        entitled to notice of or vote at a shareholders&rsquo; meeting, such books shall be closed
        for at least ten days immediately preceding such meeting. In lieu of closing the stock
        transfer books, the Board may fix in advance a date as the record date for a determination
        of shareholders, such date to be not more than seventy days, and in case of a
        shareholders&rsquo; meeting, not less than ten days, prior to the date on which the
        particular action requiring a determination of shareholders is to be taken. If the stock
        transfer books are not closed and no record date is fixed for the determination of
        shareholders entitled to notice of or vote at a shareholders&rsquo; meeting, or
        shareholders entitled to receive payment of a dividend, the day before the notice of the
        meeting is mailed or the date on which the resolution of the Board declaring such dividend
        is adopted, as the case may be, shall be the record date for the determination of
        shareholders. Any determination of shareholders entitled to vote at a shareholders&rsquo;
        meeting made as provided in this Section shall apply to any adjournment thereof, unless the
        Board fixes a new record date, which it shall do if the meeting is adjourned to a date more
        than 120 days after the date fixed for the original meeting.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 1.6.</font> <u><font size="2">Presiding Officer and
        the Secretary.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">The Chairman or the President, or, in their absence, an
        officer designated by the Board, shall preside at all shareholder meetings, and the
        Secretary shall serve as secretary. Otherwise, a chairman or secretary shall be elected by
        a majority vote of the shareholders present to act in the absence of those
        officers.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 1.7.</font> <u><font size="2">Voting
        Lists.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">The Secretary or other person having charge of the stock
        transfer books of the Corporation shall make, at least ten days before each
        shareholders&rsquo; meeting, a complete list of the shareholders entitled to vote at such
        meeting, or any adjournment thereof, with the address of and the number of shares held by
        each, which list, for a period of ten days prior to such meeting, shall be kept on file at
        the registered office of the Corporation and shall be subject to inspection by any
        shareholder at any time during usual business hours, subject to any limitations on such
        right provided by the Act or other provisions of law. Such list shall also be produced and
        kept open at the time and place of the meeting for inspection by any shareholder
        during</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="384" border="0">
                <tr>
                    <td valign="top" nowrap width="357">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="27">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">67</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">the whole time of the meeting for the purposes thereof. The
        original stock transfer book is</font> <u><font size="2">prima facie</font></u>
        <font size="2">evidence as to the shareholders who are entitled to examine such list or
        transfer books or to vote at any shareholders&rsquo; meeting.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 1.8.</font>
        <u><font size="2">Quorum.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">Unless otherwise provided in the Corporation&rsquo;s Articles
        of Incorporation (the &ldquo;Articles&rdquo;), a majority of the outstanding shares of the
        Corporation entitled to vote, represented in person or by proxy, shall constitute a quorum
        at a shareholders&rsquo; meeting. If less than a quorum is present at a meeting, a majority
        of the shares so represented may adjourn the meeting from time to time without further
        notice. At such adjourned meeting at which a quorum is present or represented, any business
        may be transacted which might have been transacted at the original meeting. The affirmative
        vote of the majority of the shares represented at the meeting and entitled to vote on the
        subject matter shall be the act of the shareholders, unless the vote of a greater number is
        required by the Act or the Articles, and except that in the election of directors those
        receiving the greatest number of votes shall be deemed elected, even though not receiving a
        majority.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 1.9.</font>
        <u><font size="2">Proxies.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">At all meetings of shareholders, a shareholder may vote by
        proxy executed in writing by the shareholder or by his duly authorized attorney in fact.
        Such proxy shall be filed with the Secretary before or at the meeting. No proxy shall be
        valid after eleven months from the date of its execution, unless otherwise provided in the
        proxy.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 1.10.</font> <u><font size="2">Action by Shareholders
        Without a Meeting.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">Any action required to be taken at a meeting of the
        shareholders of the Corporation, or any action which may be taken at a meeting of the
        shareholders, may be taken without a meeting if a consent in writing, setting forth the
        action so taken, shall be signed by all of the shareholders entitled to vote with respect
        to the subject matter thereof.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 1.11.</font> <u><font size="2">Shareholder Proposals
        or Nominations.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">No business shall be transacted at any meeting of
        shareholders, except such business as shall be (a) specified in the notice of meeting given
        as provided in Section 1.4 of this Article I; (b) otherwise brought before the meeting by
        or at the directions of the Board; or (c) otherwise brought before the meeting by a
        shareholder of record of the Corporation entitled to vote at the meeting in compliance with
        the procedure set forth in this Section 1.11. For business to be brought before a meeting
        by a shareholder pursuant to (c) above, the shareholder must have given timely notice in
        writing to the President of the Corporation. To be timely, a shareholder&rsquo;s notice
        shall be delivered to, or mailed and received at, the principal executive offices of the
        Corporation not less than sixty days nor more than ninety days prior to the meeting;
        provided, however, in the event that less than seventy days&rsquo; notice or prior public
        disclosure of the date of the meeting is given or made to shareholders, notice by the
        shareholder to be timely must be so received not later than the close of business on the
        tenth day following the day on which such notice of the date of the meeting is called on
        the date indicated by Section 1.1 of this Article I without regard to when public
        disclosure thereof is made. Notice of actions to be brought before a meeting pursuant to
        (c) above shall set forth, as to each matter the shareholder proposes to bring before the
        meeting; (a) a brief description of the business desired to be brought before the meeting
        and the reasons for bringing such business before the meeting; and (b) as to the
        shareholder giving the notice, (i) the name and address, as they appear on the
        Corporation&rsquo;s books, of such shareholder, (ii) the classes and number of shares of
        the Corporation which are owned of record or beneficially by such shareholder, and (iii)
        any material interest of such shareholder in such business other than his interest as a
        shareholder of the Corporation. Notwithstanding anything in these Bylaws to the contrary,
        no business shall be conducted on a shareholder proposal or nomination except in accordance
        with the provisions set forth in this Section 1.11. The requirements of this Section are in
        addition to any other requirements established by law and do not impair the effect of the
        requirements of Section 1.2 of these Bylaws relating to business permitted to be transacted
        at special shareholders&rsquo; meetings. The Chairman of the meeting shall, if the facts
        warrant, determine and declare to the meeting that any business was not properly brought
        before the meeting in accordance with the provision prescribed by these Bylaws and, if he
        should so determine, he shall so declare to the meeting and any such business not so
        properly brought before the meeting shall not be transacted.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: center">
        <font size="2"><font size="2">ARTICLE II. BOARD OF DIRECTORS</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: center">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: left">
        <font size="2"><font size="2">SECTION 2.1.</font> <u><font size="2">General
        Powers.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: left">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">The business and affairs of the Corporation shall be managed
        and administered by the Board of Directors. Except as limited by the Act, all corporate
        powers shall be vested in and exercised by the Board.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: left">
        &nbsp;</p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="384" border="0">
                <tr>
                    <td valign="top" nowrap width="357">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="27">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">68</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: left">
        <font size="2"><font size="2">SECTION 2.2.</font> <u><font size="2">Number, Tenure and
        Qualifications.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: left">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">The number of directors of the Corporation shall be nine. The
        number of directors may be increased or decreased from time to time by amendment of these
        Bylaws within the variable range established by the Articles. At each annual meeting of
        shareholders, the number of directors equal to the number of the class whose term expires
        at the time of such meeting shall be elected to hold office until the third succeeding
        annual meeting and until their successors shall have been elected and
        qualify.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">Directors reaching the age of 73 shall be ineligible for
        renomination to the Board of Directors of the Corporation at the expiration of the term of
        office during which the director becomes 73 years of age; provided, however, that the
        foregoing clause shall not apply to Charles L. Boatwright, T.C. Bowen, Jr., A.A. Crouse,
        R.E. Dodson, and William T. Peery.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 2.3.</font> <u><font size="2">Regular
        Meetings.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">A meeting of the Board shall be held immediately after each
        annual meeting of shareholders without notice other than that given by these Bylaws, at
        which meeting there shall be elected at least a Chairman of the Board (the
        &ldquo;Chairman&rdquo;), a President, a Secretary and a Treasurer, who shall hold such
        offices until the first meeting of the Board following the next annual meeting of
        shareholders and until their successors shall be elected and qualify or until their earlier
        resignation or removal. Regular meetings of the Board shall be held as provided by
        resolution of the Board.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 2.4.</font> <u><font size="2">Special
        Meetings.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">Special meetings of the Board may be called by or at the
        request of the Chairman, the President or by a majority of the Board. The person or persons
        calling a special meeting of the Board may fix any place inside or outside Virginia as the
        place for holding that special meeting.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 2.5.</font> <u><font size="2">Action by Directors
        Without a Meeting; Telephonic Attendance.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">Any action of the board, or of any committee of the Board,
        may be taken without a meeting if a consent in writing, setting forth the action so taken,
        shall be signed by all of the directors, or by all of the members of the committee, as the
        case may be. Directors may participate in meetings of the Board and committees of the Board
        by, and such meetings may be conducted through, the use of any means of communication by
        which all directors participating may simultaneously hear each other during the meeting.
        Directors so participating are deemed to be present in person at the meeting and will be
        counted in determining whether a quorum is present.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 2.6.</font>
        <u><font size="2">Notice.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">Notice of any special meeting (which notice need not state
        the purpose of or business to be conducted at the meeting) shall be given by written notice
        delivered personally or mailed to each director at his business address, or by telephone,
        facsimile or telegram. If notice is by personal delivery, facsimile or telephone, the
        delivery, facsimile transmission or telephone call shall be at least two days prior to the
        special meeting. If notice is given by mail or telegram, such notice shall be deposited in
        the United States mail, postage prepaid, and addressed to each director at his business
        address or delivered to the telegraph company, as the case may be, at least five days prior
        to the special meeting.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 2.7.</font>
        <u><font size="2">Quorum.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">Except as may otherwise be provided in the Articles or in
        these Bylaws, a majority of the full Board or of the full membership of any committee
        thereof shall constitute a quorum for the transaction of business at any meeting of the
        Board or such committee, as the case may be. If less than such majority is present at a
        meeting, a majority of directors present may adjourn the meeting from time to time without
        further notice.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 2.8.</font>
        <u><font size="2">Committees.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">By resolution, the Board shall designate from among Board
        members an Executive Committee, which shall exercise all of the authority of the Board
        except as limited by law, the Articles or the Board itself. The Executive Committee may
        take no action described in Subsections, (i), (ii), (iii), (iv), or (v) of Subsection
        2.9(b) of these Bylaws. Such action may only be taken by the Board of Directors as
        described in such Subsections. The Board may designate from among its members other
        committees for such purposes and with such powers as the Board may determine. All
        committees shall keep regular minutes of their meetings and shall report their actions to
        the Board at its next regular meeting.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="384" border="0">
                <tr>
                    <td valign="top" nowrap width="357">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="27">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">69</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 2.9.</font> <u><font size="2">Manner of
        Acting.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="48">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="25">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(a)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The act of the majority of the directors present at a
                        meeting at which a quorum is present shall be the act of the Board or any
                        committee thereof, unless the Articles or these Bylaws require the vote of
                        a greater number of directors.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="48">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="25">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(b)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Notwithstanding the foregoing or any other provision in
                        these bylaws, the affirmative vote of six (6) out of nine (9) directors
                        shall be required to approve any of the following actions:</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="96">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="36">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(i)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Authorization for the Corporation as sole shareholder of
                        Bank of Tazewell County to vote in the election of any person to serve on
                        the board of directors of Bank of Tazewell County or in the removal as a
                        director of any person serving on the board of directors of Bank of
                        Tazewell County except that action by the Corporation as sole shareholder
                        of the Bank of Tazewell County may be authorized by the Board of this
                        Corporation as if this subsection 2.9(b) were not a part of the
                        Corporation&rsquo;s Bylaws in the event that the Corporation&rsquo;s Board
                        of Directors determines as a part of its authorization for removal or a
                        court of competent jurisdiction or regulatory authority having jurisdiction
                        over the Bank of Tazewell County determines that such director(s) which has
                        a material adverse financial effect on Bank of Tazewell County or have
                        engaged in conduct as director(s) for which he or they would not be
                        entitled to indemnification under the Articles of Bank of Tazewell County
                        as amended.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="96">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="36">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(ii)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Authorization for the Corporation as sole shareholder of the
                        Bank of Tazewell County to vote on any proposed amendment to the articles
                        of incorporation or bylaws of the Bank of Tazewell County;</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="96">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="36">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(iii)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Authorization for the Corporation as sole shareholder of the
                        Bank of Tazewell County to vote on the merger, consolidation or sale of all
                        or substantially all of the assets of the Bank of Tazewell
                        County.</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="96">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="36">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(iv)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">A recommendation to the shareholders of the Corporation to
                        merge, consolidate or sell all or substantially all of the assets of the
                        Corporation, where such recommendations is required by law; and</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="96">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="36">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(v)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">A modification prior to January 1, 2001 to any of the
                        following provisions of the Bylaws added to such Bylaw by these
                        amendment;</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="132">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="36">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(1)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">the first sentence of Section 2.2;</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="391" border="0">
                <tr>
                    <td valign="top" nowrap width="132">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="36">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">(2)</font></p>
                    </td>

                    <td valign="top" nowrap width="223">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">the last paragraph of Section 2.2;</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="132">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="36">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(3)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">the second sentence of Section 2.8; and/or</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="132">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="36">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(4)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">subsection 2.9(b)(i) through (iv)</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">On and after January 1, 2001 subsections 2.9.(b)(i) through
        (iv) may be amended or repealed by the Directors of the Corporation as if this subsection
        2.9(b)(v) had not been adopted and as of January 1, 2001 this subsection 2.9(b)(v) shall
        automatically and without further action cease to be of force and effect.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 2.10.</font>
        <u><font size="2">Vacancies.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">Any vacancy occurring in the Board, including a vacancy
        resulting from an increase by not more than two in the number of directors, may be filled
        by the affirmative vote of a majority of the remaining directors, though less than a quorum
        of the Board. If a vacancy is filled by the shareholders, a vacant office held by a
        director elected by a voting group of shareholders shall be filled by vote of only the
        holders of that voting group.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 2.11.</font>
        <u><font size="2">Compensation.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">Payment to the directors for the expense, if any, of
        attendance at meetings of the Board, and of a fixed sum for attendance at meetings of the
        Board or a stated salary as director may be authorized by Board resolution. Members of
        special or standing committees may be authorized by Board resolution to receive
        compensation for attending meetings.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 2.12.</font> <u><font size="2">Honorary
        Directors.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">The Board shall not appoint any Honorary Director, Honorary
        Chairman, Honorary President, or Honorary Officer.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="384" border="0">
                <tr>
                    <td valign="top" nowrap width="357">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="27">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">70</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: center">
        <font size="2"><font size="2">ARTICLE III. OFFICERS</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: center">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 3.1.</font>
        <u><font size="2">Generally.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">Any one or more officers may be held by the same
        person.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 3.2.</font>
        <u><font size="2">Chairman.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">The Board shall appoint, from one of its members, a Chairman
        to serve in said capacity at the pleasure of the Board. He shall preside at all meetings of
        the Board and shall be an ex-officio member of all committees of the Board. The Board may
        also designate a Vice Chairman to serve as and perform all duties of the Chairman in the
        Chairman&rsquo;s absence.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 3.3.</font>
        <u><font size="2">President.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">The Board shall appoint a President of the Corporation to
        serve at the pleasure of the Board. The President shall supervise the carrying out of the
        policies adopted or approved by the Board and shall be the Chief Executive Officer of the
        Corporation. He shall have general executive powers, as well as the specific powers
        conferred by these Bylaws. He shall also have and may exercise such further powers and
        duties as from time to time may be conferred upon or assigned to him by the
        Board.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 3.4.</font>
        <u><font size="2">Secretary.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">The Board shall appoint a Secretary to serve at the pleasure
        of the Board. The Secretary shall (a) keep the minutes of the shareholders&rsquo;, Board
        and Committee meetings in one or more books provided for that purpose; (b) see that all
        notices are duly given in accordance with the provisions of these Bylaws and as required by
        law; (c) be custodian of the corporate records and the Corporation&rsquo;s seal and see
        that the Corporation&rsquo;s seal is affixed to all documents for which it is required; (d)
        sign with the President or other designated officer stock certificates of the Corporation
        issued as authorized by resolution of the Board; (e) have general charge of the stock
        transfer books and shareholder list of the Corporation; and (f) in general perform all
        duties incident to the office of Secretary and such other duties as may from time to time
        be assigned to him by the President or the Board.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 3.5.</font>
        <u><font size="2">Treasurer.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">The Board shall appoint a Treasurer, and if required by the
        Board, the Treasurer shall give a bond for the faithful discharge of his duties in such sum
        and with such surety or sureties as the Board shall determine. He shall: (a) have charge
        and custody of and be responsible for all funds and securities of the Corporation; (b)
        receive and give receipts for monies due and payable to the Corporation from any source
        whatsoever, and deposit all such monies in the name of the Corporation in such banks, trust
        companies or other depositories as shall be selected by the Board; and (c) in general
        perform all of the duties incident to the office of Treasurer and such other duties as from
        time to time may be assigned to him by the President or by the Board.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 3.6.</font> <u><font size="2">Other
        Officers.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">The Board may appoint such other officers as it deems
        appropriate to transacting the business of the Corporation. Such officers shall exercise
        such powers and perform such duties as pertain to their offices or are assigned to them by
        the President or the Board. The Board may by resolution authorize any duly appointed
        officer to appoint one or more officers or assistant officers.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 3.7.</font>
        <u><font size="2">Removal.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">Any officer or agent elected or appointed by the Board may be
        removed by the Board at any time, with or without cause, but such removal shall be without
        prejudice to the contract rights, if any, of the person so removed. Any officer or agent
        appointed by another officer may be removed at any time, with or without cause, by the
        Board or by such appointing officer.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 3.8.</font>
        <u><font size="2">Vacancies.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">The Board may fill any vacancy occurring in the offices of
        the Corporation at any regular meeting of the Board or at a special meeting of the Board
        called for that purpose. An officer elected to fill a vacancy shall be elected for the
        unexpired term of his predecessor in office.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="384" border="0">
                <tr>
                    <td valign="top" nowrap width="357">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="27">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">71</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: center">
        <font size="2"><font size="2">ARTICLE IV. STOCK CERTICATES AND THEIR
        TRANSFER</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: center">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 4.1.</font> <u><font size="2">Certificate for
        Shares</font></u><font size="2">.</font></font></p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="48">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="28">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(a)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">The shares of the Corporation shall be represented by
                        certificates or shall be uncertificated.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="48">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="28">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(b)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Certificated shares of the Corporation shall bear the
                        signature, or a facsimile thereof, of the President or a Vice President and
                        the Secretary or an Assistant Secretary and shall bear the corporate seal,
                        or a facsimile thereof. If any officer who has signed or whose facsimile
                        signature has been placed upon a stock certificate shall have ceased to be
                        an officer before the certificate is issued, it may be issued by the
                        Corporation with the same effect as if that person were an officer at the
                        date of issue.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="48">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="28">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(c)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">If the Corporation issues uncertificated shares as provided
                        for in these Bylaws, within a reasonable time after the issue or transfer
                        of the shares without certificates, the Corporation shall send the
                        shareholder a statement indicating that the Corporation is organized under
                        the laws of the Commonwealth of Virginia; certifying the number of shares,
                        class of shares and designation of the of the series, if any, of the
                        shares; and a summary of the rights, preferences and limitations applicable
                        to the class of stock and the limitations for each series of
                        stock.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="48">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="28">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(d)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Each registered holder of stock represented by
                        uncertificated shares shall be entitled, upon request to the custodian of
                        the stock transfer books of the Corporation, to have physical certificates
                        representing the shares registered in their name.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="48">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="28">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(e)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">No stock, in certificated or uncertificated form, will be
                        issued, and no dividend payment will be made, for fractional shares of
                        common stock.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr>
                    <td valign="top" width="48">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        &nbsp;</p>
                    </td>

                    <td valign="top" width="28">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">(f)</font></p>
                    </td>

                    <td valign="top">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Except as otherwise provided by law, the rights and
                        obligations of the holders of uncertificated shares and the rights and
                        obligations of the holders of certificates representing shares of the same
                        class and series shall be identical.</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 4.2</font> <u><font size="2">Lost or Destroyed
        Certificates</font></u></font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.43in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">The Board may direct a new certificate or certificates to be
        issued as a replacement for lost, destroyed or mutilated certificates if the owner requests
        the issuance before the Corporation has notice that the shares have been acquired by a bona
        fide purchaser. The owner must furnish the Corporation with a sufficient indemnity bond and
        satisfy such other requirements, including evidence of loss, theft or destruction, as may
        be imposed by the Corporation.</font></font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 4.3</font> <u><font size="2">Transfer of
        Shares</font></u></font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.43in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">Transfer of shares shall be made only on the stock transfer
        books of the Corporation by the holder of record or by the holder&rsquo;s legal
        representative, who must furnish evidence of authority satisfactory to the Corporation, and
        on surrender for cancellation of the certificate for the shares. The Corporation may treat
        the holder of record of any share or shares of stock as the holder in fact of that stock
        and accordingly is not bound to recognize any equitable or other claim to or interest in
        those shares on the part of any other person, whether or not it shall have notice of the
        claim, except as expressly provided by the laws of the Commonwealth of
        Virginia.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: center">
        <font size="2"><font size="2">ARTICLE V. CONTRACTS, LOANS,</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: center">
        <font size="2"><font size="2">CHECKS, DEPOSITS, AND INVESTMENTS</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: center">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 5.1.</font>
        <u><font size="2">Contracts.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">The Board may authorize any officer(s) or agent(s) to enter
        into any contract or execute and deliver any instrument in the name and on behalf of the
        Corporation, either generally or confined to specific instances.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 5.2.</font>
        <u><font size="2">Loans.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">No loan shall be contracted on behalf of the Corporation and
        no evidences of indebtedness shall be issued in its name unless authorized by a resolution
        of the Board, either generally or confined to specific instances.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 5.3.</font> <u><font size="2">Checks, Drafts,
        etc.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">All checks, drafts or other orders for the payment of money,
        notes or other evidences of indebtedness issued in the name of the Corporation shall be
        signed by those officer(s) or agent(s) of the Corporation designated in, and in the manner
        determined</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="384" border="0">
                <tr>
                    <td valign="top" nowrap width="357">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="27">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">72</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>
        <!-- EEDocs PBStart-->
        <hr align="center" width="100%" noshade size="2">

        <p style="PAGE-BREAK-BEFORE: always"></p>
        <!-- EEDocs PBEnd-->

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">by, resolution of the Board.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">SECTION 5.4.</font>
        <u><font size="2">Deposits.</font></u></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">All funds of the Corporation not otherwise employed shall be
        deposited from time to time to the credit of the Corporation in banks, trust companies or
        other depositories selected by the Board.</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: justify">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: center">
        <font size="2"><font size="2">ARTICLE VI. SEAL</font></font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.5in; TEXT-INDENT: -0.5in; TEXT-ALIGN: center">
        &nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.43in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">The Board of Directors shall provide a seal which shall be
        circular in form and shall have inscribed thereon the name of the Corporation, state of
        incorporation and the words &ldquo;Corporate Seal&rdquo;.</font></font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <font size="2"><font size="2">ARTICLE VII. BYLAWS</font></font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.44in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">Unless otherwise provided in the Articles, these Bylaws may
        be amended, altered or repealed and new Bylaws adopted upon a vote of two-thirds of the
        directors present and voting at a meeting at which a quorum is present, provided that
        notice of the proposed amendment, alteration or repeal shall be given in writing delivered
        personally to each director at his business address, or by telephone, facsimile, or
        telegram. If notice is by personal delivery, facsimile or telephone, the delivery,
        facsimile or telephone call shall be at least two days prior to the meetings at which such
        amendment, alternation or repeal is to be considered. If notice is given by mail or
        telegram, such notice shall be deposited in the United States mail, postage prepaid, and
        addressed to each director at his business address or delivered to the telephone company,
        as the case may be, at least five days prior to the meeting at which such amendment,
        alteration or repeal is to be considered.</font></font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">
        <font size="2"><font size="2">ARTICLE VIII. WAIVER OF NOTICE</font></font></p>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.43in; TEXT-ALIGN: justify">
        <font size="2"><font size="2">Whenever any notice is required to be given to any
        shareholder or director of the Corporation under the provisions of these Bylaws, the
        Articles or Act, a waiver thereof in writing, signed by the person or persons entitled to
        such notice, whether before or after the time stated therein, shall be deemed equivalent to
        the giving of such notice. Attendance at or participation in any shareholders&rsquo;
        meeting by a shareholder, or at any Board or Board committee meeting by a director, waives
        any required notice unless objection is timely made as provided by the
        Act.</font></font></p>

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

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

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

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

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

        <div align="left">
            <table style="MARGIN-LEFT: 257.4pt; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="288" border="0">
                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="top" width="391">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">/s/ MARILYN B. BUHYOFF</font></p>
                    </td>
                </tr>

                <tr>
                    <td style="PADDING-RIGHT: 5.4pt; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" width="391">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: justify">
                        <font size="2">Secretary</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

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

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

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

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="384" border="0">
                <tr>
                    <td valign="top" nowrap width="357">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        &nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="27">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">
                        <font size="2">73</font></p>
                    </td>
                </tr>
            </table>
        </div>

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

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>Exhibit No. 31(i)</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>CERTIFICATIONS UNDER SECTION 906 OF THE SARBANES OXLEY ACT OF 2002</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>I, James G. Rakes, Chairman, President and Chief Executive Officer of National Bankshares, Inc., certify that:</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in; text-indent:-0.25in;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>1.</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>I have reviewed this annual report on Form 10-K of National Bankshares, Inc.;</font></p> </td> </tr></table>
</div>


<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in; text-indent:-0.25in;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>2.</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;</font></p> </td> </tr></table>
</div>


<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in; text-indent:-0.25in;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>3.</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;</font></p> </td> </tr></table>
</div>


<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in; text-indent:-0.25in;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>4.</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>The registrant&#146;s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a &#150; 15 (e) and 15d &#150; 15 (e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a &#150; 15(f) and 15d &#150; 15(f)) for the registrant and have:</font></p> </td> </tr></table>
</div>


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


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(a)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </font></p> </td> </tr></table>
</div>


<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.25in;text-align:justify;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(b)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;</font></p> </td> </tr></table>
</div>


<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.25in;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(c)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Evaluated the effectiveness of the registrant&#146;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluations; and</font></p> </td> </tr></table>
</div>


<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.25in;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(d)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Disclosed in this report any change in the registrant&#146;s internal control over financial reporting that occurred during the registrant&#146;s most recent fiscal quarter (the registrant&#146;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#146;s internal control over financial reporting; and </font></p> </td> </tr></table>
</div>


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


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>5.</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>The registrant&#146;s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#146;s auditors and the audit committee of the registrant&#146;s board of directors (or persons performing the equivalent functions):</font></p> </td> </tr></table>
</div>


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


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(a)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#146;s ability to record, process, summarize and report financial information; and </font></p> </td> </tr></table>
</div>


<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.25in;text-align:justify;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(b)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s internal control over financial reporting.</font></p> </td> </tr></table>
</div>


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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Date: March 12, 2008</font></p>

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

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


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="288" style='margin-left:257.4pt;border-collapse:collapse'>
    <tr >
        <td width="391" valign=top style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>/s/ JAMES G. RAKES</font><u></u></p> </td> </tr>
    <tr >
        <td width="391" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>James G. Rakes</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Chairman, President &amp; Chief Executive Office</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>(Principal Executive Officer)</font><u></u></p> </td> </tr></table>
</div>

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

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

<table border="0" cellspacing=0 cellpadding=0 width="89" style='border-collapse:collapse'>
    <tr >
        <td width="89" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Exhibit 31(ii)</font></p> </td> </tr></table>
</div>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>I, J. Robert Buchanan, Treasurer (Chief Financial Officer) of National Bankshares, Inc., certify that:</font></p>

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


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<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
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        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>1.</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>I have reviewed this annual report on Form 10-K of National Bankshares, Inc.;</font></p> </td> </tr></table>
</div>


<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in; text-indent:-0.25in;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
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        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>2.  </font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;</font></p> </td> </tr></table>
</div>


<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in; text-indent:-0.25in;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

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        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>3.  </font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;</font></p> </td> </tr></table>
</div>


<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in; text-indent:-0.25in;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>4.</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>The registrant&#146;s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a &#150; 15 (e) and 15d &#150; 15 (e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a &#150; 15(f) and 15d &#150; 15(f)) for the registrant and have:</font></p> </td> </tr></table>
</div>


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


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(a)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; and</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.25in;text-align:justify;'><font size=2>&nbsp;</font></p>


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<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(b)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purpose in accordance with generally accepted accounting principles;</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.25in;text-align:justify;'><font size=2>&nbsp;</font></p>


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<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(c)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Evaluated the effectiveness of the registrant&#146;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluations; and</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.25in;text-align:left;'><font size=2>&nbsp;</font></p>


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<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
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        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(d)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Disclosed in this report any change in the registrant&#146;s internal control over financial reporting that occurred during the registrant&#146;s most recent fiscal quarter (the registrant&#146;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#146;s internal control over financial reporting; and </font></p> </td> </tr></table>
</div>


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


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
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        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>5.</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>The registrant&#146;s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#146;s auditors and the audit committee of the registrant&#146;s board of directors (or persons performing the equivalent functions):</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
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        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(a) </font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#146;s ability to record, process, summarize and report financial information; and </font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.25in;text-align:left;'><font size=2>&nbsp;</font></p>


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<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
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        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(b)  </font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s internal control over financial reporting.</font></p> </td> </tr></table>
</div>


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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Date: March 12, 2008</font></p>

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

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


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<table border="0" cellspacing=0 cellpadding=0 width="288" style='margin-left:257.4pt;border-collapse:collapse'>
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        <td width="391" valign=top style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>/s/ J. ROBERT BUCHANAN</font><u></u></p> </td> </tr>
    <tr >
        <td width="391" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>J. Robert Buchanan</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Treasurer</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>(Principal Financial Officer)</font><u></u></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Exhibit 32(i)</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>CERTIFICATION OF CHIEF EXECUTIVE OFFICER</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>PURSUANT TO U.S.C. SECTION 1350</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.25in;text-align:justify;'><font size=2>In connection with the Form 10-K of National Bankshares, Inc. for the year ended December 31, 2007, I, James G. Rakes, Chairman, President and Chief Executive Officer of National Bankshares, Inc., hereby certify pursuant to 18 U.S.C. Section 1350, as adopted pursuant to section 906 of the Sarbanes-Oxley Act of 2002, to the best of my knowledge and belief that:</font></p>

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


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="36" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(1)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>such Form 10-K for the year ended December 31, 2007, fully complies with the requirements of section 13(a) or 15(d) of the Securties Act of 1934; and</font></p> </td> </tr></table>
</div>


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


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='margin-left:0pt;border-collapse:collapse'>
    <tr >
        <td width="36" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(2)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>the information contained in such Form 10-K for the year ended December 31, 2007, fairly presents in all material respects, the financial condition and results of operations of National Bankshares, Inc.</font></p> </td> </tr></table>
</div>


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

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


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<table border="0" cellspacing=0 cellpadding=0 width="288" style='margin-left:257.4pt;border-collapse:collapse'>
    <tr >
        <td width="391" valign=top style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>/s/ JAMES G. RAKES</font><u></u></p> </td> </tr>
    <tr style='height:4.0pt'>
        <td width="391" valign=top style='padding:0in 5.4pt 0in 5.4pt;height:4.0pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>James G. Rakes</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Chairman, President &amp; Chief Executive Office</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>(Principal Executive Officer)</font><u></u></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Exhibit 32(ii)</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>CERTIFICATION OF CHIEF EXECUTIVE OFFICER</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>PURSUANT TO U.S.C. SECTION 1350</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.25in;text-align:justify;'><font size=2>In connection with the Form 10-K of National Bankshares, Inc. for the year ended December 31, 2007, I, J. Robert Buchanan, Treasurer of National Bankshares, Inc., hereby certify pursuant to 18 U. S. C. Section 1350, as adopted pursuant to section 906 of the Sarbanes-Oxley Act of 2002, to the best of my knowledge and belief that:</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.62in; text-indent:-0.25in;text-align:justify;'><font size=2>(1)  such Form 10-K for the year ended December 31, 2007, fully complies with the requirements of section 13(a) or 15(d) of the Securties Act of 1934; and</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.62in; text-indent:-0.25in;text-align:justify;'><font size=2>(2)  the information contained in such Form 10-K for the year ended December 31, 2007, fairly presents in all material respects, the financial condition and results of operations of National Bankshares, Inc.</font></p>

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

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

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


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<table border="0" cellspacing=0 cellpadding=0 width="288" style='margin-left:257.4pt;border-collapse:collapse'>
    <tr >
        <td width="391" valign=top style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>/s/ J. ROBERT BUCHANAN</font><u></u></p> </td> </tr>
    <tr >
        <td width="391" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>J. Robert Buchanan</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Treasurer</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>(Principal Financial Officer)</font><u></u></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>Exhibit No. 21(i)</font></p>

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

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

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

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><img src="img1.gif"><br> </p>

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

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>
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<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>14
<FILENAME>ex23.htm
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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in;text-align:left;'><img src="img1.jpg"><br> </p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in;text-align:center;'><B><font SIZE=2>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</font></B></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in;text-align:left;'><font size=2>We consent to the incorporation by reference in Registration Statement No. 333-79979 on Form S-8 of National Bankshares, Inc. of our report dated February 28, 2008 relating to our audits of the consolidated financial statements and internal control over financial reporting, which appear in this Annual Report on Form 10-K of National Bankshares, Inc. for the year ended December 31, 2007.  </font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in;text-align:left;'><img src="img2.jpg"><br> </p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in;text-align:left;'><font size=2>Winchester, Virginia</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in;text-align:left;'><font size=2>March 12, 2008</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>
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<DOCUMENT>
<TYPE>EX-3.(II)
<SEQUENCE>15
<FILENAME>bylaws_nov2007.htm
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>AMENDED AND RESTATED</font></p>

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

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

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

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

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>NATIONAL BANKSHARES, INC</font></p>

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

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

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

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Adopted November 24, 1993</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Amended May 29, 1996</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Amended November 14, 2007</font></p>

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

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font SIZE=2>SECTION 1.1. </font><u><font size=2>Annual Meeting.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>The annual meeting of the shareholders to elect and for the transaction of such other business as may properly come before the meeting shall be held on the second Tuesday in April each year or, if such date falls on a legal holiday, the next business day.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 1.2. </font><u><font size=2>Special Meetings.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>Special meetings of shareholders may be called by the Chairman of the Board of Directors, the President or by a majority of the Board of Directors. Business transacted at all special meetings shall be confined to the purpose(s) stated in the notice.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 1.3. </font><u><font size=2>Place of Meeting.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>The Board of Directors (the &#147;Board&#148;) may designate any place inside or outside Virginia for any annual or special meeting of the shareholders. If no designation is made, the meeting will be at the principal office of the Corporation.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 1.4. </font><u><font size=2>Notice of Meeting.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>Except as otherwise required by the Virginia Stock Corporation Act, as now in effect or hereafter from time to time amended (the &#147;Act&#148;), written notice stating the time and location of the meeting, and, in case of a special meeting, the purpose(s) of the meeting, shall be delivered not less than ten nor more than sixty days before the meeting date, either personally or by mail, to each shareholder of record entitled to vote at such meeting. If mailed, the notice will be deemed to be delivered when deposited in the United States mail, postage prepaid, addressed to the shareholder at his address as it appears on the stock transfer books of the Corporation.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 1.5.  </font><u><font size=2>Closing of Transfer Books or Fixing of Record Date.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>For the purpose of determining shareholders entitled to notice of or vote at any shareholders&#146; meeting, or any adjournment thereof, or entitled to receive payment of any dividend, or in order to determine shareholders for any other proper purpose, the Board may close the stock transfer books for a stated period not to exceed seventy days. If the stock transfer books are closed to determine shareholders entitled to notice of or vote at a shareholders&#146; meeting, such books shall be closed for at least ten days immediately preceding such meeting. In lieu of closing the stock transfer books, the Board may fix in advance a date as the record date for a determination of shareholders, such date to be not more than seventy days, and in case of a shareholders&#146; meeting, not less than ten days, prior to the date on which the particular action requiring a determination of shareholders
is to be taken. If the stock transfer books are not closed and no record date is fixed for the determination of shareholders entitled to notice of or vote at a shareholders&#146; meeting, or shareholders entitled to receive payment of a dividend, the day before the notice of the meeting is mailed or the date on which the resolution of the Board declaring such dividend is adopted, as the case may be, shall be the record date for the determination of shareholders. Any determination of shareholders entitled to vote at a shareholders&#146; meeting made as provided in this Section shall apply to any adjournment thereof, unless the Board fixes a new record date, which it shall do if the meeting is adjourned to a date more than 120 days after the date fixed for the original meeting.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 1.6. </font><u><font size=2>Presiding Officer and the Secretary.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>The Chairman or the President, or, in their absence, an officer designated by the Board, shall preside at all shareholder meetings, and the Secretary shall serve as secretary. Otherwise, a chairman or secretary shall be elected by a majority vote of the shareholders present to act in the absence of those officers.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 1.7. </font><u><font size=2>Voting Lists.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>The Secretary or other person having charge of the stock transfer books of the Corporation shall make, at least ten days before each shareholders&#146; meeting, a complete list of the shareholders entitled to vote at such meeting, or any adjournment thereof, with the address of and the number of shares held by each, which list, for a period of ten days prior to such meeting, shall be kept on file at the registered office of the Corporation and shall be subject to inspection by any shareholder at any time during usual business hours, subject to any limitations on such right provided by the Act or other provisions of law. Such list shall also be produced and kept open at the time and place of the meeting for inspection by any shareholder during </font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>&nbsp;</font></p>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="27" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>2</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>&nbsp;</font></p>
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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>the whole time of the meeting for the purposes thereof. The original stock transfer book is </font><u><font size=2>prima facie </font></u><font size=2>evidence as to the shareholders who are entitled to examine such list or transfer books or to vote at any shareholders&#146; meeting.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 1.8.  </font><u><font size=2>Quorum.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>Unless otherwise provided in the Corporation&#146;s Articles of Incorporation (the &#147;Articles&#148;), a majority of the outstanding shares of the Corporation entitled to vote, represented in person or by proxy, shall constitute a quorum at a shareholders&#146; meeting. If less than a quorum is present at a meeting, a majority of the shares so represented may adjourn the meeting from time to time without further notice. At such adjourned meeting at which a quorum is present or represented, any business may be transacted which might have been transacted at the original meeting. The affirmative vote of the majority of the shares represented at the meeting and entitled to vote on the subject matter shall be the act of the shareholders, unless the vote of a greater number is required by the Act or the Articles, and except that in the election of directors those receiving the greatest
number of votes shall be deemed elected, even though not receiving a majority.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 1.9. </font><u><font size=2>Proxies.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>At all meetings of shareholders, a shareholder may vote by proxy executed in writing by the shareholder or by his duly authorized attorney in fact. Such proxy shall be filed with the Secretary before or at the meeting. No proxy shall be valid after eleven months from the date of its execution, unless otherwise provided in the proxy.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 1.10. </font><u><font size=2>Action by Shareholders Without a Meeting.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>Any action required to be taken at a meeting of the shareholders of the Corporation, or any action which may be taken at a meeting of the shareholders, may be taken without a meeting if a consent in writing, setting forth the action so taken, shall be signed by all of the shareholders entitled to vote with respect to the subject matter thereof.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 1.11. </font><u><font size=2>Shareholder Proposals or Nominations.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>No business shall be transacted at any meeting of shareholders, except such business as shall be (a) specified in the notice of meeting given as provided in Section 1.4 of this Article I; (b) otherwise brought before the meeting by or at the directions of the Board; or (c) otherwise brought before the meeting by a shareholder of record of the Corporation entitled to vote at the meeting in compliance with the procedure set forth in this Section 1.11. For business to be brought before a meeting by a shareholder pursuant to (c) above, the shareholder must have given timely notice in writing to the President of the Corporation. To be timely, a shareholder&#146;s notice shall be delivered to, or mailed and received at, the principal executive offices of the Corporation not less than sixty days nor more than ninety days prior to the meeting; provided, however, in the event that less than
seventy days&#146; notice or prior public disclosure of the date of the meeting is given or made to shareholders, notice by the shareholder to be timely must be so received not later than the close of business on the tenth day following the day on which such notice of the date of the meeting is called on the date indicated by Section 1.1 of this Article I without regard to when public disclosure thereof is made. Notice of actions to be brought before a meeting pursuant to (c) above shall set forth, as to each matter the shareholder proposes to bring before the meeting; (a) a brief description of the business desired to be brought before the meeting and the reasons for bringing such business before the meeting; and (b) as to the shareholder giving the notice, (i) the name and address, as they appear on the Corporation&#146;s books, of such shareholder, (ii) the classes and number of shares of the Corporation which are owned of record or beneficially by such shareholder, and (iii) any
material interest of such shareholder in such business other than his interest as a shareholder of the Corporation. Notwithstanding anything in these Bylaws to the contrary, no business shall be conducted on a shareholder proposal or nomination except in accordance with the provisions set forth in this Section 1.11. The requirements of this Section are in addition to any other requirements established by law and do not impair the effect of the requirements of Section 1.2 of these Bylaws relating to business permitted to be transacted at special shareholders&#146; meetings. The Chairman of the meeting shall, if the facts warrant, determine and declare to the meeting that any business was not properly brought before the meeting in accordance with the provision prescribed by these Bylaws and, if he should so determine, he shall so declare to the meeting and any such business not so properly brought before the meeting shall not be transacted.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:center;'><font SIZE=2>ARTICLE II. BOARD OF DIRECTORS</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:left;'><font SIZE=2>SECTION 2.1. </font><u><font size=2>General Powers.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>The business and affairs of the Corporation shall be managed and administered by the Board of Directors. Except as limited by the Act, all corporate powers shall be vested in and exercised by the Board.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:left;'><font size=2>&nbsp;</font></p>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>3</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:left;'><font SIZE=2>SECTION 2.2. </font><u><font size=2>Number, Tenure and Qualifications.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>The number of directors of the Corporation shall be nine. The number of directors may be increased or decreased from time to time by amendment of these Bylaws within the variable range established by the Articles. At each annual meeting of shareholders, the number of directors equal to the number of the class whose term expires at the time of such meeting shall be elected to hold office until the third succeeding annual meeting and until their successors shall have been elected and qualify.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>Directors reaching the age of 73 shall be ineligible for renomination to the Board of Directors of the Corporation at the expiration of the term of office during which the director becomes 73 years of age; provided, however, that the foregoing clause shall not apply to Charles L. Boatwright, T.C. Bowen, Jr., A.A. Crouse, R.E. Dodson, and William T. Peery.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 2.3. </font><u><font size=2>Regular Meetings.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>A meeting of the Board shall be held immediately after each annual meeting of shareholders without notice other than that given by these Bylaws, at which meeting there shall be elected at least a Chairman of the Board (the &#147;Chairman&#148;), a President, a Secretary and a Treasurer, who shall hold such offices until the first meeting of the Board following the next annual meeting of shareholders and until their successors shall be elected and qualify or until their earlier resignation or removal. Regular meetings of the Board shall be held as provided by resolution of the Board.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 2.4.  </font><u><font size=2>Special Meetings.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>Special meetings of the Board may be called by or at the request of the Chairman, the President or by a majority of the Board. The person or persons calling a special meeting of the Board may fix any place inside or outside Virginia as the place for holding that special meeting.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 2.5. </font><u><font size=2>Action by Directors Without a Meeting; Telephonic Attendance.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>Any action of the board, or of any committee of the Board, may be taken without a meeting if a consent in writing, setting forth the action so taken, shall be signed by all of the directors, or by all of the members of the committee, as the case may be. Directors may participate in meetings of the Board and committees of the Board by, and such meetings may be conducted through, the use of any means of communication by which all directors participating may simultaneously hear each other during the meeting. Directors so participating are deemed to be present in person at the meeting and will be counted in determining whether a quorum is present.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 2.6. </font><u><font size=2>Notice.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>Notice of any special meeting (which notice need not state the purpose of or business to be conducted at the meeting) shall be given by written notice delivered personally or mailed to each director at his business address, or by telephone, facsimile or telegram. If notice is by personal delivery, facsimile or telephone, the delivery, facsimile transmission or telephone call shall be at least two days prior to the special meeting. If notice is given by mail or telegram, such notice shall be deposited in the United States mail, postage prepaid, and addressed to each director at his business address or delivered to the telegraph company, as the case may be, at least five days prior to the special meeting.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 2.7. </font><u><font size=2>Quorum.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>Except as may otherwise be provided in the Articles or in these Bylaws, a majority of the full Board or of the full membership of any committee thereof shall constitute a quorum for the transaction of business at any meeting of the Board or such committee, as the case may be. If less than such majority is present at a meeting, a majority of directors present may adjourn the meeting from time to time without further notice.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 2.8. </font><u><font size=2>Committees.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>By resolution, the Board shall designate from among Board members an Executive Committee, which shall exercise all of the authority of the Board except as limited by law, the Articles or the Board itself. The Executive Committee may take no action described in Subsections, (i), (ii), (iii), (iv), or (v) of Subsection 2.9(b) of these Bylaws. Such action may only be taken by the Board of Directors as described in such Subsections. The Board may designate from among its members other committees for such purposes and with such powers as the Board may determine. All committees shall keep regular minutes of their meetings and shall report their actions to the Board at its next regular meeting.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font size=2>&nbsp;</font></p>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>4</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>
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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 2.9. </font><u><font size=2>Manner of Acting.</font></u></p>

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


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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="25" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(a)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>The act of the majority of the directors present at a meeting at which a quorum is present shall be the act of the Board or any committee thereof, unless the Articles or these Bylaws require the vote of a greater number of directors.</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="25" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(b)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Notwithstanding the foregoing or any other provision in these bylaws, the affirmative vote of six (6) out of nine (9) directors shall be required to approve any of the following actions:</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="36" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(i)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Authorization for the Corporation as sole shareholder of Bank of Tazewell County to vote in the election of any person to serve on the board of directors of Bank of Tazewell County or in the removal as a director of any person serving on the board of directors of Bank of Tazewell County except that action by the Corporation as sole shareholder of the Bank of Tazewell County may be authorized by the Board of this Corporation as if this subsection 2.9(b) were not a part of the Corporation&#146;s Bylaws in the event that the Corporation&#146;s Board of Directors determines as a part of its authorization for removal or a court of competent jurisdiction or regulatory authority having jurisdiction over the Bank of Tazewell County determines that such director(s) which has a material adverse financial effect on Bank of Tazewell County or have engaged in conduct as
director(s) for which he or they would not be entitled to indemnification under the Articles of Bank of Tazewell County as amended.</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(ii)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Authorization for  the Corporation as sole shareholder of the Bank of Tazewell County to vote on any proposed amendment to the articles of incorporation or bylaws of the Bank of Tazewell County;</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="36" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(iii)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Authorization for the Corporation as sole shareholder of the Bank of Tazewell County to vote on the merger, consolidation or sale of all or substantially all of the assets of the Bank of Tazewell County.</font></p> </td> </tr></table>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="36" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(iv)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>A recommendation to the shareholders of the Corporation to merge, consolidate or sell all or substantially all of the assets of the Corporation, where such recommendations is required by law; and</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(v)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>A modification prior to January 1, 2001 to any of the following provisions of the Bylaws added to such Bylaw by these amendment;</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(1)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>the first sentence of Section 2.2;</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>(2)</font></p> </td>
        <td width="223" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>the last paragraph of Section 2.2;</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="36" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(3)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>the second sentence of Section 2.8; and/or</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="36" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(4)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>subsection 2.9(b)(i) through (iv)</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>On and after January 1, 2001 subsections 2.9.(b)(i) through (iv) may be amended or repealed by the Directors of the Corporation as if this subsection 2.9(b)(v) had not been adopted and as of January 1, 2001 this subsection 2.9(b)(v) shall automatically and without further action cease to be of force and effect.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 2.10. </font><u><font size=2>Vacancies.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>Any vacancy occurring in the Board, including a vacancy resulting from an increase by not more than two in the number of directors, may be filled by the affirmative vote of a majority of the remaining directors, though less than a quorum of the Board. If a vacancy is filled by the shareholders, a vacant office held by a director elected by a voting group of shareholders shall be filled by vote of only the holders of that voting group.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 2.11. </font><u><font size=2>Compensation.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>Payment to the directors for the expense, if any, of attendance at meetings of the Board, and of a fixed sum for attendance at meetings of the Board or a stated salary as director may be authorized by Board resolution. Members of special or standing committees may be authorized by Board resolution to receive compensation for attending meetings.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 2.12. </font><u><font size=2>Honorary Directors.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>The Board shall not appoint any Honorary Director, Honorary Chairman, Honorary President, or Honorary Officer.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font size=2>&nbsp;</font></p>
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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:center;'><font SIZE=2>ARTICLE III. OFFICERS</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 3.1. </font><u><font size=2>Generally.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>Any one or more officers may be held by the same person.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 3.2. </font><u><font size=2>Chairman.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>The Board shall appoint, from one of its members, a Chairman to serve in said capacity at the pleasure of the Board. He shall preside at all meetings of the Board and shall be an ex-officio member of all committees of the Board. The Board may also designate a Vice Chairman to serve as and perform all duties of the Chairman in the Chairman&#146;s absence.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 3.3. </font><u><font size=2>President.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>The Board shall appoint a President of the Corporation to serve at the pleasure of the Board. The President shall supervise the carrying out of the policies adopted or approved by the Board and shall be the Chief Executive Officer of the Corporation. He shall have general executive powers, as well as the specific powers conferred by these Bylaws. He shall also have and may exercise such further powers and duties as from time to time may be conferred upon or assigned to him by the Board.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 3.4. </font><u><font size=2>Secretary.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>The Board shall appoint a Secretary to serve at the pleasure of the Board. The Secretary shall (a) keep the minutes of the shareholders&#146;, Board and Committee meetings in one or more books provided for that purpose; (b) see that all notices are duly given in accordance with the provisions of these Bylaws and as required by law; (c) be custodian of the corporate records and the Corporation&#146;s seal and see that the Corporation&#146;s seal is affixed to all documents for which it is required; (d) sign with the President or other designated officer stock certificates of the Corporation issued as authorized by resolution of the Board; (e) have general charge of the stock transfer books and shareholder list of the Corporation; and (f) in general perform all duties incident to the office of Secretary and such other duties as may from time to time be assigned to him by the President or the Board.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 3.5. </font><u><font size=2>Treasurer.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>The Board shall appoint a Treasurer, and if required by the Board, the Treasurer shall give a bond for the faithful discharge of his duties in such sum and with such surety or sureties as the Board shall determine. He shall: (a) have charge and custody of and be responsible for all funds and securities of the Corporation; (b) receive and give receipts for monies due and payable to the Corporation from any source whatsoever, and deposit all such monies in the name of the Corporation in such banks, trust companies or other depositories as shall be selected by the Board; and (c) in general perform all of the duties incident to the office of Treasurer and such other duties as from time to time may be assigned to him by the President or by the Board.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 3.6. </font><u><font size=2>Other Officers.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>The Board may appoint such other officers as it deems appropriate to transacting the business of the Corporation. Such officers shall exercise such powers and perform such duties as pertain to their offices or are assigned to them by the President or the Board. The Board may by resolution authorize any duly appointed officer to appoint one or more officers or assistant officers.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 3.7.  </font><u><font size=2>Removal.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>Any officer or agent elected or appointed by the Board may be removed by the Board at any time, with or without cause, but such removal shall be without prejudice to the contract rights, if any, of the person so removed. Any officer or agent appointed by another officer may be removed at any time, with or without cause, by the Board or by such appointing officer.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 3.8. </font><u><font size=2>Vacancies.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>The Board may fill any vacancy occurring in the offices of the Corporation at any regular meeting of the Board or at a special meeting of the Board called for that purpose. An officer elected to fill a vacancy shall be elected for the unexpired term of his predecessor in office.</font></p>

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

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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:center;'><font SIZE=2>ARTICLE IV. STOCK CERTICATES AND THEIR TRANSFER</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font SIZE=2>SECTION 4.1. </font><u><font size=2>Certificate for Shares</font></u><font size=2>.</font></p>

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


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(a)</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>The shares of the Corporation shall be represented by certificates or shall be uncertificated.</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(b)</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Certificated shares of the Corporation shall bear the signature, or a facsimile thereof, of the President or a Vice President and the Secretary or an Assistant Secretary and shall bear the corporate seal, or a facsimile thereof.  If any officer who has signed or whose facsimile signature has been placed upon a stock certificate shall have ceased to be an officer before the certificate is issued, it may be issued by the Corporation with the same effect as if that person were an officer at the date of issue. </font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(c)</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>If the Corporation issues uncertificated shares as provided for in these Bylaws, within a reasonable time after the issue or transfer of the shares without certificates, the Corporation shall send the shareholder a statement indicating that the Corporation is organized under the laws of the Commonwealth of Virginia; certifying the number of shares, class of shares and designation of the of the series, if any, of the shares; and a summary of the rights, preferences and limitations applicable to the class of stock and the limitations for each series of stock.  </font></p> </td> </tr></table>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(d)</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Each registered holder of stock represented by uncertificated shares shall be entitled, upon request to the custodian of the stock transfer books of the Corporation, to have physical certificates representing the shares registered in their name.       </font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(e)</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>No stock, in certificated or uncertificated form, will be issued, and no dividend payment will be made, for fractional shares of common stock.</font></p> </td> </tr></table>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(f)</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Except as otherwise provided by law, the rights and obligations of the holders of uncertificated shares and the rights and obligations of the holders of certificates representing shares of the same class and series shall be identical.   </font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font SIZE=2>SECTION 4.2 </font><u><font size=2>Lost or Destroyed Certificates</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.43in;text-align:justify;'><font size=2>The Board may direct a new certificate or certificates to be issued as a replacement for lost, destroyed or mutilated certificates if the owner requests the issuance before the Corporation has notice that the shares have been acquired by a bona fide purchaser.  The owner must furnish the Corporation with a sufficient indemnity bond and satisfy such other requirements, including evidence of loss, theft or destruction, as may be imposed by the Corporation.  </font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font SIZE=2>SECTION 4.3 </font><u><font size=2>Transfer of Shares</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.43in;text-align:justify;'><font size=2>Transfer of shares shall be made only on the stock transfer books of the Corporation by the holder of record or by the holder&#146;s legal representative, who must furnish evidence of authority satisfactory to the Corporation, and on surrender for cancellation of the certificate for the shares.  The Corporation may treat the holder of record of any share or shares of stock as the holder in fact of that stock and accordingly is not bound to recognize any equitable or other claim to or interest in those shares on the part of any other person, whether or not it shall have notice of the claim, except as expressly provided by the laws of the Commonwealth of Virginia.  </font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:center;'><font SIZE=2>ARTICLE V. CONTRACTS, LOANS, </font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:center;'><font SIZE=2>CHECKS, DEPOSITS, AND INVESTMENTS</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 5.1. </font><u><font size=2>Contracts.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>The Board may authorize any officer(s) or agent(s) to enter into any contract or execute and deliver any instrument in the name and on behalf of the Corporation, either generally or confined to specific instances.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 5.2. </font><u><font size=2>Loans.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>No loan shall be contracted on behalf of the Corporation and no evidences of  indebtedness shall be issued in its name unless authorized by a resolution of the Board, either generally or confined to specific instances.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 5.3. </font><u><font size=2>Checks, Drafts, etc.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>All checks, drafts or other orders for the payment of money, notes or other evidences of indebtedness issued in the name of the Corporation shall be signed by those officer(s) or agent(s) of the Corporation designated in, and in the manner determined </font></p>

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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>7</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>&nbsp;</font></p>
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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>by, resolution of the Board.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:justify;'><font SIZE=2>SECTION 5.4. </font><u><font size=2>Deposits.</font></u></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in;text-align:justify;'><font size=2>All funds of the Corporation not otherwise employed shall be deposited from time to time to the credit of the Corporation in banks, trust companies or other depositories selected by the Board.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.5in; text-indent:-0.5in;text-align:center;'><font SIZE=2>ARTICLE VI. SEAL</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.43in;text-align:justify;'><font size=2>The Board of Directors shall provide a seal which shall be circular in form and shall have inscribed thereon the name of the Corporation, state of incorporation and the words &#147;Corporate Seal&#148;.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>ARTICLE VII. BYLAWS</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.44in;text-align:justify;'><font size=2>Unless otherwise provided in the Articles, these Bylaws may be amended, altered or repealed and new Bylaws adopted upon a vote of two-thirds of the directors present and voting at a meeting at which a quorum is present, provided that notice of the proposed amendment, alteration or repeal shall be given in writing delivered personally to each director at his business address, or by telephone, facsimile, or telegram. If notice is by personal delivery, facsimile or telephone, the delivery, facsimile or telephone call shall be at least two days prior to the meetings at which such amendment, alternation or repeal is to be considered. If notice is given by mail or telegram, such notice shall be deposited in the United States mail, postage prepaid, and addressed to each director at his business address or delivered to the telephone company, as the case may be, at least five days prior to the
meeting at which such amendment, alteration or repeal is to be considered.</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>ARTICLE VIII. WAIVER OF NOTICE</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.43in;text-align:justify;'><font size=2>Whenever any notice is required to be given to any shareholder or director of the Corporation under the provisions of these Bylaws, the Articles or Act, a waiver thereof in writing, signed by the person or persons entitled to such notice, whether before or after the time stated therein, shall be deemed equivalent to the giving of such notice. Attendance at or participation  in any shareholders&#146; meeting by a shareholder, or at any Board or Board committee meeting by a director, waives any required notice unless objection is timely made as provided by the Act.</font></p>

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

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

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

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

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


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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>/s/ MARILYN B. BUHYOFF</font><u></u></p> </td> </tr>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt'><font size=2>Secretary</font><u></u></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;'><font size=2>&nbsp;</font></p>

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

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