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<SEC-DOCUMENT>0000796534-08-000012.txt : 20080718
<SEC-HEADER>0000796534-08-000012.hdr.sgml : 20080718
<ACCEPTANCE-DATETIME>20080718165006
ACCESSION NUMBER:		0000796534-08-000012
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20080630
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20080718
DATE AS OF CHANGE:		20080718

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:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-15204
		FILM NUMBER:		08959788

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

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=4>Washington, D.C. 20549</font></b></p>

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

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

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=4>PURSUANT TO SECTION 13 OR 15(d)</font></b></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=4>SECURITIES EXCHANGE ACT OF 1934</font></B></p>

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

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


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            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Date of Report: July 18, 2008</font></b></p> </td>
        <td width="295" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Commission File Number: 0-15204</font></b></p> </td> </tr></table>
</div>

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

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=5>National Bankshares, Inc.</font></b></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-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>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Virginia</font></b></p> </td>
        <td width="295" 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:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>54-1375874</font></b></p> </td> </tr>
    <tr >
        <td width="295" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(State or other jurisdiction of incorporation or organization)</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="295" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(I.R.S. Employer Identification No.)</font></p> </td> </tr></table>
</div>

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

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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:center;'><b><font size=2>101 Hubbard Street</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=2>Blacksburg, VA 24060</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Address of principal executive offices)</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=2> (540) 951-6300</font></b></p>

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

<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:center;'><font size=2>Page 1 of 2 Pages</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>ITEM 2.02.  RESULTS OF OPERATIONS, FINANCIAL STATEMENTS AND </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="92" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font SIZE=2>EXHIBITS</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.51in;text-align:left;'><font size=2>On July 18, 2008, National Bankshares, Inc. issued a press release announcing its financial results for the second quarter ended June 30, 2008. A copy of the press release is attached as Exhibit 99.1.</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>ITEM 9.01.  FINANCIAL STATEMENTS AND EXHIBITS</font></p>

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


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(a)</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>Exhibits</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-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>99.1  </font></p> </td>
        <td width="409" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>National Bankshares, Inc. Press Release dated July 18, 2008.</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:1.5in;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:1.5in;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=1>&nbsp;</font></p> </td>
        <td width="109" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font SIZE=2>SIGNATURE</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.51in;text-align:left;'><font size=2>Pursuant to the requirements of the Securities and Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.</font></p>

<p style=' 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>NATIONAL BANKSHARES, INC.</font></p>

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


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Date:  </font></p> </td>
        <td width="107" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>July 18, 2008</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>By:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ JAMES G. RAKES</font><u></u></p> </td> </tr>
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        <td width="223" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:.5in;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>James G. Rakes</font></p>
<p style='margin-left:0pt;text-indent:.5in;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Chairman</font></p>
<p style='margin-left:0pt;text-indent:.5in;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>President and CEO</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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

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

<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:center;'><font size=2>Page 2 of 2 Pages</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><img src="img1.jpg"><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;'><U><B><font SIZE=2>FOR IMMEDIATE RELEASE</font></B></U></p>

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


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><B><font SIZE=2>CONTACTS:  </font></B></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>James G. Rakes, Chairman, President &amp; CEO (540) 951-6236</font></b></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=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'><b><font size=2>F. Brad Denardo, Treasurer (540) 951-6213</font></b></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<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;'><U><B><font SIZE=2>NATIONAL BANKSHARES, INC. ANNOUNCES HIGHER</font></B></U></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><u><font size=2>&nbsp;&nbsp;</font><B><font SIZE=2>SECOND QUARTER EARNINGS</font></B></u></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>BLACKSBURG, VA, JULY 18, 2008:  At June 30, 2008, </font><b><font size=2>National Bankshares, Inc. </font></b><font size=2>(NASDAQ Capital Market:  </font><B><font SIZE=2>NKSH</font></B><font size=2>) posted year-to-date net income of $6.65 million, or basic net income of $0.96 per share. This is a 6.3% increase over the $6.26 million in net income at June 30, 2007. For the three months ending June 30, 2008, the Company had net income of nearly $3.47 million, up by 10.48% over net income earned in the second quarter of 2007. Net loans were nearly $529.47 million at June 30, 2008, up by 5.24% over the total at the same time last year. The Company ended the second quarter with total assets of just over $894.91 million, 2.03% higher than at the end of the second quarter in 2007. </font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.5in;text-align:justify;'><font size=2>National Bankshares, Inc. is a financial holding company headquartered in Blacksburg, Virginia. It is the parent of National Bank, a community bank with 26 offices throughout Southwest Virginia that was founded in 1891. The Company has a non-bank brokerage and insurance subsidiary, National Bankshares Financial Services, Inc., trading in the same market. </font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.5in;text-align:justify;'><font size=2>The Company&#146;s Chairman, President &amp; CEO James G. Rakes commented, &#147;In these challenging times, I am pleased to report solidly higher earnings, which were achieved using a traditional approach. We experienced good growth in the loan portfolio without compromising loan underwriting standards. At the same time, the net interest margin held steady at a respectable 4.00%. Finally, controllable costs have been kept in check, producing an efficiency ratio of 50.81% at June 30. Compared with last year&#146;s historically good numbers, we are seeing an increase in nonperforming assets. Despite these changes, the 0.41% ratio of nonperforming loans to total loans at June 30, 2008, remains reasonable and good when compared with our peers. We are paying attention to local economic conditions and are prudently adding to the allowance for loan losses as warranted. National Bankshares, Inc.
has operated with a consistently conservative business philosophy. This philosophy and our high capital levels help to prepare us for any economic weakness to come.&#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-indent:0.5in;text-align:justify;'><font size=2>National Bankshares, Inc. stock is traded on the NASDAQ Stock Market under the symbol &#147;NKSH&#148;. More information is available at </font><font color="#0000FF"><font size=2>www.nationalbankshares.com</font></font><font size=2>.</font></p>

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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><u><b><font size=2>National Bankshares, Inc. And Subsidiaries</font></b></u></p>

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


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            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>(000&#146;s), except ratios and percent data</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" valign=top style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='border-bottom: solid black 1.0pt; background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><b><font size=2>Three months ending</font></b></p> </td>
        <td width="1%" valign=bottom style='border-bottom: solid black 1.0pt; background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='border-bottom: solid black 1.0pt; background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><b><font size=2>June 30, 2008</font></b></p> </td>
        <td width="3%" valign=bottom style='border-bottom: solid black 1.0pt; background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='border-bottom: solid black 1.0pt; background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><b><font size=2>June 30, 2007</font></b></p> </td>
        <td width="3%" valign=bottom style='border-bottom: solid black 1.0pt; background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='border-bottom: solid black 1.0pt; background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='border-bottom: solid black 1.0pt; background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><b><font size=2>Change</font></b></p> </td>
        <td width="6%" valign=bottom style='border-bottom: solid black 1.0pt; background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style=' background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style=' background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><b><font size=2>Selected Consolidated Data :</font></b></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Interest income</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>12,472</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>12,695</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-1.76</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Interest expense</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>4,815</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:2.25pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5,370 </font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-10.34</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Net interest income</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>7,657</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:2.25pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>7,325 </font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>4.53</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Provision for loan losses</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>135</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:2.25pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>13 </font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>938.46</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Trust income</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>319</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:2.25pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>360 </font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-11.39</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Other noninterest income</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>1,908</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:2.25pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>1,899 </font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.47</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Salary and benefits</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>2,746</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:2.25pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>2,778 </font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-1.15</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Occupancy expense</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>435</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:2.25pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>412 </font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5.58</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Amortization of intangibles</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>279</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:2.25pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>285 </font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-2.11</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Other noninterest expense</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>1,846</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>2,029</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-9.02</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Income taxes</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-974</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-927</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5.07</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Net income</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>3,469</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>3,140</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>10.48</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Basic net income per share</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.50</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.45</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.05</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><b><font size=2>Daily averages:</font></b></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Gross loans</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>529,653</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>509,826</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>3.89</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Loans,net</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>523,336</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>503,706</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>3.90</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Total securities</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>290,593</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>288,215</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.83</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Total deposits</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>786,698</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>756,952</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>3.93</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Other borrowings</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>61</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>2,235</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-97.27</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Stockholders&#146; equity</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>108,891</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>101,105</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>7.70</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Cash and due from </font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>13,008</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>14,213</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-8.48</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Interest-earning assets</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>844,591</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>806,828</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>4.68</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Interest-bearing liabilities</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>670,099</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>648,844</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>3.28</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Intangible assets</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>14,435</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>15,569</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-7.28</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Total assets</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>902,368</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>866,915</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>4.09</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><b><font size=2>Financial ratios: </font></b><font size=2>Note (1)</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Return on average assets</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>1.55</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>1.45</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.10</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Return on average equity</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>12.81</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>12.46</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.35</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Net interest margin</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>4.05</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>4.03</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.02</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Average equity to average assets</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>12.07</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>11.66</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.40</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:21.0pt;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>Note (1)  Ratio change measured in bp</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><b><font size=2>Allowance for loan losses:</font></b></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Beginning balance</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5,228</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5,045</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>3.63</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Provision for losses</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>135</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>13</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>938.46</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Charge-offs</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-130</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-89</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>46.07</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Recoveries</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>34</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>31</font></p> </td>
        <td width="3%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:white;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:white; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>9.68</font></p> </td>
        <td width="6%" valign=bottom style='background:white;padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Ending balance</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5,267</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5,000</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5.34</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr></table>
</div>

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

<div align=center>

<table border="0" cellspacing=0 cellpadding=0 width="100%" style='border-collapse:collapse'>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='border-bottom: solid black 1.0pt; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><b><font size=2>Year to Date</font></b></p> </td>
        <td width="1%" valign=bottom style='border-bottom: solid black 1.0pt; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='border-bottom: solid black 1.0pt; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><b><font size=2>June 30, 2008</font></b></p> </td>
        <td width="3%" valign=bottom style='border-bottom: solid black 1.0pt; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='border-bottom: solid black 1.0pt; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><b><font size=2>June 30, 2007</font></b></p> </td>
        <td width="3%" valign=bottom style='border-bottom: solid black 1.0pt; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='border-bottom: solid black 1.0pt; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><b><font size=2>Change</font></b></p> </td>
        <td width="6%" valign=bottom style='border-bottom: solid black 1.0pt; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style=' padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style=' padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><b><font size=2>Selected Consolidated Data :</font></b></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Interest income</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>25,183</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>25,225</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-0.17</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Interest expense</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>10,222</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>10,786</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-5.23</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Net interest income</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>14,961</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>14,439</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>3.62</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Provision for loan losses</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>235</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>10</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>2250.00</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Trust income</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>622</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>733</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-15.14</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Other noninterest income</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>3,901</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>3,705</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5.29</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Salary and benefits</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5,603</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5,619</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-0.28</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Occupancy expense</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>891</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>897</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-0.67</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Amortization of intangibles</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>563</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>569</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-1.05</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Other noninterest expense</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>3,706</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>3,676</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.82</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Income taxes</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-1,836</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-1,850</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-0.76</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Net income</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>6,650</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>6,256</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>6.30</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Basic net income per share</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.96</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.90</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.06</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Fully diluted net income per share</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.96</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.89</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.07</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Dividends per share</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>---</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>---</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>---</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Dividend payout ratio</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>40.63</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>41.30</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>

        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.67</font></p>
      </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Book value per share</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>15.50</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>

        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>14.14</font></p>
      </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>1.36</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><b><font size=2>Balance sheet at period-end:</font></b></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Gross loans</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>535,837</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>509,232</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5.22</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Loans, net</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>529,465</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>503,118</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5.24</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Total securities</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>289,315</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>282,955</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>2.25</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Cash and due From</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>20,404</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>16,937</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>20.47</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Total deposits</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>781,113</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>771,319</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>1.27</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Other borrowings</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>59</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>141</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-58.16</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Stockholders&#146; equity</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>107,354</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>98,674</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>8.80</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Intangible assets</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>14,276</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>15,407</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-7.34</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Total assets</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>894,912</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>877,098</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>2.03</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><b><font size=2>Daily averages:</font></b></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Gross loans</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>527,366</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>506,452</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>4.13</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Loans,net</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>521,064</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>500,292</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>4.15</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Total securities</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>283,240</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>286,073</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-0.99</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Total deposits</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>780,830</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>759,874</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>2.76</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Other borrowings</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>61</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>1,160</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-94.74</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Stockholders&#146; equity</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>107,963</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>99,086</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>8.96</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Cash and due from </font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>12,877</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>14,453</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-10.90</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Interest-earning assets</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>839,198</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>806,790</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>4.02</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Interest-bearing liabilities</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>668,344</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>654,345</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>2.14</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Intangible assets</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>14,576</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>15,714</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-7.24</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Total assets</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>895,701</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>867,003</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>3.31</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><b><font size=2>Financial ratios: </font></b><font size=2>Note (1)</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Return on average assets</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>1.49</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>1.46</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.03</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Return on average equity</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>12.39</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>12.73</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-0.34</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Net interest margin</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>4.00</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>4.00</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.00</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Efficiency ratio</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>50.81</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>52.55</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-1.74</font></p> </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td></tr>
     <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
               <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Average equity to average assets</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>12.05</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>11.43</font></p> </td>
        <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p> </td>
        <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.62</font></p> </td>
        <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
    <tr style='page-break-inside:avoid'>
        <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:21.0pt;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>Note (1)  Ratio change measured in bp</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>

        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><i></i><i></i></p>
      </td>
        <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
            <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td></tr></table>
</div>

<div align=center>

  <table border="0" cellspacing=0 cellpadding=0 width="100%" style='border-collapse:collapse'>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><b><font size=2>Allowance
          for loan losses:</font></b></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Beginning
          balance</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5,219</font></p>
      </td>
      <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5,157</font></p>
      </td>
      <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>1.20</font></p>
      </td>
      <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Provision
          for losses</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>235</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>10</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>2250.00</font></p>
      </td>
      <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Charge-offs</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-282</font></p>
      </td>
      <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-225</font></p>
      </td>
      <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>25.33</font></p>
      </td>
      <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Recoveries</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>95</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>58</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>63.79</font></p>
      </td>
      <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Ending
          balance</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5,267</font></p>
      </td>
      <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5,000</font></p>
      </td>
      <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>5.34</font></p>
      </td>
      <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><b><font size=2>Nonperforming
          assets:</font></b></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Nonaccrual
          loans</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>2,200</font></p>
      </td>
      <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>1,136</font></p>
      </td>
      <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-100.00</font></p>
      </td>
      <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Restructured
          loans</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>---</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>---</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>---</font></p>
      </td>
      <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Total
          nonperforming loans Note (2)</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>2,200</font></p>
      </td>
      <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>1,136</font></p>
      </td>
      <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-100.00</font></p>
      </td>
      <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Other
          real estate owned</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>234</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>306</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>-23.53</font></p>
      </td>
      <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Total
          nonperforming assets</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>2,434</font></p>
      </td>
      <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>$</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>1,442</font></p>
      </td>
      <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>68.79</font></p>
      </td>
      <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><b><font size=2>Asset
          quality ratios: </font></b><font size=2>Note (3)</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Nonperforming
          loans to total loans</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.41</font></p>
      </td>
      <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.23</font></p>
      </td>
      <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>---</font></p>
      </td>
      <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Allowance
          for loan losses to total loans</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.98</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.98</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>0.50</font></p>
      </td>
      <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>Allowance
          for loan losses to nonperforming loans</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>239.41</font></p>
      </td>
      <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>440.41</font></p>
      </td>
      <td width="3%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=2>%</font></p>
      </td>
      <td width="1%" valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='background:#D9D9D9; padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=2>---</font></p>
      </td>
      <td width="6%" valign=bottom style='background:#D9D9D9;padding: 0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>Note
          (2) Loans 90 days past due or more not included</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
    </tr>
    <tr style='page-break-inside:avoid'>
      <td width="48%" nowrap valign=top style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:.25in;text-indent:-.25in;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>Note
          (3) Ratio change measured in bp</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="10%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="3%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="1%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="9%" nowrap valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
      <td width="6%" valign=bottom style='padding:0in .7pt 0in 0in'>
        <p style='margin-left:0in;text-indent:0pt;text-align:left;margin-top:2pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p>
      </td>
    </tr>
  </table>
</div>

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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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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
