<SEC-DOCUMENT>0000894671-19-000019.txt : 20190425
<SEC-HEADER>0000894671-19-000019.hdr.sgml : 20190425
<ACCEPTANCE-DATETIME>20190425161123
ACCESSION NUMBER:		0000894671-19-000019
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20190425
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190425
DATE AS OF CHANGE:		20190425

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OHIO VALLEY BANC CORP
		CENTRAL INDEX KEY:			0000894671
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				311359191
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-20914
		FILM NUMBER:		19767559

	BUSINESS ADDRESS:	
		STREET 1:		420 THIRD AVE
		CITY:			GALLIPOLIS
		STATE:			OH
		ZIP:			45631
		BUSINESS PHONE:		7404462631

	MAIL ADDRESS:	
		STREET 1:		420 THIRD AVENUE
		STREET 2:		PO BOX 240
		CITY:			GALLIPOLIS
		STATE:			OH
		ZIP:			45631
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>sec8kearningsrels033119cover.htm
<DESCRIPTION>EARNINGS RELEASE 03/31/19
<TEXT>
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    <div style="text-align: center; font-family: TimesNewRomanPS, serif; font-size: 12pt;">UNITED STATES</div>
    <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">SECURITIES AND EXCHANGE COMMISSION</font></div>
    <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">Washington, D.C.&#160; 20549</font></div>
    <div><br>
    </div>
    <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt; font-weight: bold;">FORM 8-K</font></div>
    <div><br>
    </div>
    <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt; font-weight: bold;">CURRENT REPORT </font></div>
    <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt; font-weight: bold;">Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934</font></div>
    <div><br>
    </div>
    <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;"><u>April 25, 2019</u></font></font></div>
    <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">Date of Report (Date of earliest event reported)</font></div>
    <div><br>
    </div>
    <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;"><u>OHIO VALLEY BANC CORP.&#160; &#160;&#160; </u></font></font></div>
    <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">(Exact name of registrant as specified in its charter)</font></div>
    <div><br>
    </div>
    <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;"><u>Ohio</u></font></font></div>
    <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">(State or other jurisdiction of incorporation)</font></div>
    <div><br>
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            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">0-20914</font></font></div>
          </td>
          <td style="width: 50%; vertical-align: top; border-bottom: 2px solid black;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">31-1359191</font></font></div>
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          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">(Commission File Number)</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">(IRS Employer Identification No.)</font></div>
          </td>
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    <table cellspacing="0" cellpadding="0" id="z77ce003aa6bc46a88d85e7f8d3516b44" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

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            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">420 Third Avenue, Gallipolis, Ohio</font></font></div>
          </td>
          <td style="width: 50%; vertical-align: top; border-bottom: 2px solid black;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">45631</font></font></div>
          </td>
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            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">(Address of principal executive offices)</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">(Zip Code)</font></div>
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    <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">Registrant's telephone number, including area code:&#160; (740) 446-2631</font></div>
    <div><br>
    </div>
    <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;"><u>Not Applicable</u></font></font></div>
    <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">(Former name or former address, if changed since last report.)</font></div>
    <div><br>
    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant
        under any of the following provisions:</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 18pt;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#9744;</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 18pt;">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 18pt;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#9744;</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 18pt;">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 18pt;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#9744;</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 18pt;">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 18pt;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#9744;</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 18pt;">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-right: 16.75pt; margin-bottom: 10.35pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt; color: #000000;">Indicate by check mark whether the registrant is an emerging growth company as
        defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter). &#160; Emerging growth company&#160;&#160; &#9744;<font style="font-family: Webdings, serif; font-size:
          12pt;"></font></font></div>
    <div style="text-align: justify; margin-right: 16.75pt; margin-bottom: 10.35pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt; color: #000000;">If an emerging
          growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.&#160; &#9744;</font><font style="font-family: Webdings, serif; font-size: 12pt; color: #000000;"></font></font></div>
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            <div style="text-align: left;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt; font-weight: bold;">Section 2 &#8211; Financial Information</font></div>
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            <div style="text-align: left;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt; font-weight: bold;">Item 2.02.&#160; Results of Operations and Financial Condition</font></div>
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    <div style="text-align: justify;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">On April 25, 2019, Ohio Valley Banc Corp. will issue a press release announcing financial results for its first quarter period ended March 31,
        2019.&#160; A copy of the press release is furnished with this Form 8-K as Exhibit 99.1 and is incorporated herein by reference.</font></div>
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            <div style="text-align: left;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Section 9 &#8211; Financial Statements and Exhibits</font></div>
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            <div style="text-align: left;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt; font-weight: bold;">Item 9.01.&#160; Financial Statements and Exhibits</font></div>
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    <div style="text-align: justify;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">(a)&#160; Not applicable</font></div>
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    <div style="text-align: justify;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">(b)&#160; Not applicable</font></div>
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    <div style="text-align: justify;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">(c)&#160; Not applicable</font></div>
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    <div style="text-align: justify;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">(d)&#160; Exhibits &#8211; The following exhibit is being filed with this Current Report on Form 8-K:</font></div>
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            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">Exhibit Number</font></div>
          </td>
          <td style="width: 6.52%; vertical-align: top;">&#160;</td>
          <td style="width: 60.15%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">Description</font></div>
          </td>
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          <td style="width: 33.33%; vertical-align: top;">&#160;</td>
          <td style="width: 6.52%; vertical-align: top;">&#160;</td>
          <td style="width: 60.15%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">99.1</font></div>
          </td>
          <td style="width: 6.52%; vertical-align: top;">&#160;</td>
          <td style="width: 60.15%; vertical-align: top;">
            <div style="text-align: justify;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">Press release to be issued by Ohio Valley Banc Corp. on April 25,&#160; 2019.</font></div>
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    <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt; font-weight: bold;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;"><u>SIGNATURES</u></font></font></div>
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its
        behalf by the undersigned thereunto duly authorized.</font></div>
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          <td style="width: 42.41%; vertical-align: top;">&#160;</td>
          <td style="width: 7.34%; vertical-align: top;">&#160;</td>
          <td style="width: 42.71%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">OHIO VALLEY BANC CORP.</font></div>
            <div>&#160;</div>
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            <div style="text-align: left;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">Date:</font></div>
          </td>
          <td style="width: 42.41%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">April 25, 2019</font></div>
          </td>
          <td style="width: 7.34%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">By:</font></div>
          </td>
          <td style="width: 42.71%; vertical-align: top; border-bottom: #000000 2px solid;">/s/Thomas E. Wiseman <br>
          </td>
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          <td style="width: 7.53%; vertical-align: top;">&#160;</td>
          <td style="width: 42.41%; vertical-align: top;">&#160;</td>
          <td style="width: 7.34%; vertical-align: top;">&#160;</td>
          <td style="width: 42.71%; vertical-align: top;">
            <div style="text-align: left;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">Thomas E. Wiseman</font></div>
            <div style="text-align: left;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">President and Chief Executive Officer</font></div>
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    <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;"><u>EXHIBIT INDEX</u></font></font></div>
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            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">Exhibit Number</font></div>
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          <td style="width: 6.52%; vertical-align: top;">&#160;</td>
          <td style="width: 60.15%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">Description</font></div>
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          <td style="width: 33.33%; vertical-align: top;">&#160;</td>
          <td style="width: 6.52%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">99.1</font></div>
          </td>
          <td style="width: 6.52%; vertical-align: top;">&#160;</td>
          <td style="width: 60.15%; vertical-align: top;">
            <div style="text-align: justify;"><font style="font-family: TimesNewRomanPS, serif; font-size: 12pt;">Press release to be issued by Ohio Valley Banc Corp. on April 25,&#160; 2019.</font></div>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>sec8kearningsrels033119ex99.htm
<DESCRIPTION>EARNINGS RELEASE 03/31/19 EXHIBIT 99.1
<TEXT>
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    <div style="text-align: center; font-family: &quot;Times New Roman&quot;,serif; font-size: 16pt; font-style: italic; font-weight: bold;"> <font style="font-size: 10pt; font-weight: normal;"><u>EXHIBIT 99.1</u></font></div>
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        </u></font></div>
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    <div style="text-align: left; font-family: &quot;Times New Roman&quot;,serif; font-size: 10pt; font-style: italic; font-weight: bold;">April 25, 2019 - For immediate release</div>
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    <div style="text-align: left; font-size: 10pt;"><font style="font-family: &quot;Times New Roman&quot;,serif;">Contact:&#160; Scott Shockey, CFO (740) 446-2631</font></div>
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    <div style="text-align: center; font-size: 10pt;"><font style="font-family: &quot;Times New Roman&quot;,serif; font-weight: bold;">Ohio Valley Banc Corp. Reports 1<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">st</sup> Quarter Earnings</font></div>
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    <div style="text-align: justify; font-size: 10pt;"><font style="font-family: &quot;Times New Roman&quot;,serif;">GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the &#8220;Company&#8221;) reported consolidated net income for the quarter ended March 31,
        2019, of $1,193,000, a decrease of $2,173,000 from the same period the prior year.&#160; Earnings per share for the first quarter of 2019 were $.25, compared to $.71 for the first quarter of 2018.&#160; Return on average assets and return on average equity
        were .47 percent and 4.08 percent, respectively, for the first quarter of 2019, versus 1.20 percent and 12.41 percent, respectively, for the same period the prior year.</font></div>
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    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;"><font style="font-family: &quot;Times New Roman&quot;,serif;">President and CEO Tom Wiseman commented, &#8220;While we strive for positive earnings growth each quarter, we were not able to
        achieve that in the first quarter of 2019 due to several factors.&#160; This is not acceptable to us.&#160; Our teams are working strategically to improve loan growth and reduce overhead expense.&#160; Proof of OVBC&#8217;s subsidiaries&#8217; work with the latter is already
        evident with a substantial decrease in the Company&#8217;s largest non-interest expense category over the same period last year.&#160; We expect overhead expense to continue to be positively impacted with the closing of our Milton Banking Division location in
        Jackson, Ohio, in early April, and with the pending sale of the New Holland and Mount Sterling branches in the second half of 2019.&#160; On the income side, specifically regarding loan growth, innovative programs like our Professionals Mortgage,
        RentBuster Loan program, and Additional College Expense Line, show much promise as they uniquely satisfy the needs of the communities we serve.&#8221; <br>
      </font></div>
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    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;"><font style="font-family: &quot;Times New Roman&quot;,serif;">For the first quarter of 2019, net interest income decreased $123,000, or 1.1 percent, from the same period last year.&#160;
        Contributing to the lower net interest income was the decrease in average earning assets.&#160; For the three months ended March 31, 2019, average earning assets decreased $122 million from the same period the prior year, primarily attributable to not
        processing tax refunds in 2019.&#160; As previously disclosed, a third-party tax refund product provider elected to terminate the Bank&#8217;s processing contract early.&#160; During the first quarter of 2018, the processing of tax refunds provided nearly $151
        million in average deposits that was invested in the Federal Reserve.&#160; This activity generated approximately $569,000 in interest revenue that was not replicated in 2019.&#160; Absent the loss of interest revenue associated with processing tax refunds,
        net interest income did benefit from the growth in interest income on loans and securities exceeding the growth in interest expense on deposits and borrowed funds.&#160; For the three months ended March 31, 2019, interest and fees on loans increased
        $663,000 and interest on securities increased $52,000 from the same period last year.&#160; These increases were due to a combination of average loan growth and the benefit of rising interest rates throughout 2018.&#160; For the same time period, interest
        expense on deposits and borrowed funds increased $472,000, primarily due to certificates of deposit repricing at higher market rates.&#160; For the quarter ended March 31, 2019, the net interest margin was 4.89 percent, compared to 4.38 percent for the
        same period the prior year.&#160; The increase in net interest margin was primarily related to the higher balances maintained at the Federal Reserve during the first quarter of 2018, which diluted the net interest margin due to the yield on those
        balances being less than other earning assets, such as loans and securities.</font></div>
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    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;"><font style="font-family: &quot;Times New Roman&quot;,serif;">For the three months ended March 31, 2019, the provision for loan loss expense totaled $2,377,000, an increase of
        $1,621,000.&#160; For the three months ended March, 31, 2019, the provision for loan loss expense incurred was related to net loan charge-offs of $1,092,000 and to an increase in general reserves related to certain economic risk factors.&#160; During the
        first quarter, the level of classified loans, or those loans demonstrating financial weakness, increased from the prior quarter due to the deterioration in financial performance by certain loan relationships.&#160; In addition, our historical loan loss
        factors and our regional unemployment levels increased from the prior quarter.&#160; In association with these higher risk factors, the general reserves required for the allowance for loan losses increased.&#160; The allowance for loan losses was 1.03
        percent of total loans at March 31, 2019, compared to .87 percent at December 31, 2018 and 1.04 percent at March 31, 2018.</font></div>
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    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;"><font style="font-family: &quot;Times New Roman&quot;,serif;">For the first quarter of 2019, noninterest income totaled $1,846,000, a decrease of $1,230,000 from the first quarter of
        2018, primarily due to a $1,228,000 reduction in tax processing fees.&#160; In relation to the third-party tax refund provider terminating the contract as previously discussed, the Company also experienced a decline in tax processing fees, which is a
        per item fee for each item processed.&#160; As a result of not performing such service in 2019, there was no corresponding revenue earned.&#160; Partially offsetting the decrease in tax refund processing fees was the increase in fee income related to
        interchange income earned from debit and credit transactions, which increased $53,000 from the same period last year.</font></div>
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    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;"><font style="font-family: &quot;Times New Roman&quot;,serif;">Noninterest expense totaled $9,568,000 for the first quarter of 2019, a decrease of $240,000, or 2.4 percent, from the
        same period last year.&#160; The Company&#8217;s largest noninterest expense, salaries and employee benefits, decreased $166,000, or 2.9 percent, from the first quarter of 2018.&#160; The decrease was primarily related to the expense savings associated with a
        lower number of employees more than offsetting the expense increase associated with annual merit increases.&#160; Further contributing to lower noninterest expense was data processing and FDIC insurance premiums.&#160; For the three months ended March 31,
        3019, data processing expense decreased $179,000 from the same period last year in relation to lower consulting fees.&#160; For the same period, FDIC insurance premiums decreased $140,000 in relation to anticipated insurance credits based on the FDIC&#8217;s
        reserve fund achieving its target level.&#160; Partially offsetting the expense reductions above was an increase in professional fees, which increased $164,000 from the prior year first quarter primarily due to litigation related legal fees.&#160; The
        remaining noninterest expenses increased $81,000, led by foreclosure costs.</font></div>
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    <div style="text-align: justify; text-indent: 36pt; font-size: 10pt;"><font style="font-family: &quot;Times New Roman&quot;,serif;">Ohio Valley Banc Corp. common stock is traded on the NASDAQ Global Market under the symbol OVBC.&#160; The holding company
        owns Ohio Valley Bank, with 18 offices in Ohio and West Virginia, and Loan Central, with six consumer finance offices in Ohio.&#160; Learn more about Ohio Valley Banc Corp. at <font style="font-family: &quot;Times New Roman&quot;,serif; color: rgb(0,
          0, 255);"><u>www.ovbc.com</u></font>.</font></div>
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    <div style="text-align: left; font-size: 10pt;"><font style="font-family: &quot;Times New Roman&quot;,serif; font-weight: bold;"><font style="background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;,serif;">Caution Regarding
          Forward-Looking Information</font></font></div>
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      </font> </div>
    <font style="font-size: 10pt;"> </font>
    <div style="text-align: justify; font-size: 10pt;"><font style="font-family: &quot;Times New Roman&quot;,serif;"><font style="background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;,serif;">Certain statements contained in this
          earnings release that are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.&#160; Words such as &#8220;believes,&#8221; &#8220;anticipates,&#8221; &#8220;expects,&#8221; &#8220;appears,&#8221;
          &#8220;intends,&#8221; &#8220;targeted&#8221; and similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying those statements.&#160; Forward-looking statements involve risks and uncertainties.&#160; Actual results may
          differ materially from those predicted by the forward-looking statements because of various factors and possible events, including: (i) </font><font style="background-color: rgb(255, 255, 255); font-family: TimesNewRoman,serif;">changes in
          political, economic or other factors, such as inflation rates, recessionary or expansive trends, taxes, the effects of implementation of federal legislation with respect to taxes and government spending and the continuing economic uncertainty in
          various parts of the world; (ii) competitive pressures;&#160; (iii) fluctuations in interest rates; (iv) the level of defaults and prepayment on loans made by the Company; (v) unanticipated litigation, claims, or assessments; (vi) fluctuations in the
          cost of obtaining funds to make loans; and (vii) regulatory changes.&#160; </font><font style="background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;,serif;">Forward-looking statements speak only as of the date on which they
          are made, and the Company undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made to reflect unanticipated events.&#160; See Item 1.A. &#8220;Risk Factors&#8221; in the
          Company&#8217;s Annual Report on Form 10-K for the fiscal year ended December 31, 2018, for further discussion of the risks affecting the business of the Company and the value of an investment in its shares.</font></font></div>
    <div style="text-align: justify;"><font style="font-family: &quot;Times New Roman&quot;,serif; font-size: 10pt;"><font style="background-color: rgb(255, 255, 255); font-family: &quot;Times New Roman&quot;,serif; font-size: 10pt;"> <br>
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          <div style="text-align: left; color: rgb(0, 0, 0); font-family: DUTCH; font-size: 12pt; font-weight: bold;">OHIO VALLEY BANC CORP - Financial Highlights (Unaudited)</div>
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          <div style="text-align: center; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Three months ended</font></div>
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          <div style="text-align: center; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">March 31,</font></div>
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          <div style="text-align: center; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);"> 2019</font></div>
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          <div style="text-align: center; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">2018</font></div>
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          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">PER SHARE DATA</font></div>
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        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;Earnings per share</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">0.25</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">0.71</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;Dividends per share</font></div>
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        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">0.21</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">0.21</font></div>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">25.29</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">23.56</font></div>
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          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;Dividend payout ratio (a)</font></div>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH;">83.46</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); color: rgb(0, 0, 0);" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH;">%</font></div>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH;">%</font></div>
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        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); font-size: 10pt;">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
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          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">DIVIDEND REINVESTMENT (in 000's)</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;Dividends reinvested under</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;employee stock ownership plan (b)</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">179</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">173</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;Dividends reinvested under</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;dividend reinvestment plan (c)</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">351</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">373</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); font-size: 10pt;">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">PERFORMANCE RATIOS</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;Return on average equity</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); color: rgb(0, 0, 0);" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH;">4.08</font></div>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH;">%</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); color: rgb(0, 0, 0);" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH;">12.41</font></div>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH;">%</font></div>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;Return on average assets</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH;">0.47</font></div>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH;">%</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); color: rgb(0, 0, 0); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); color: rgb(0, 0, 0); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); color: rgb(0, 0, 0);" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH;">1.20</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); color: rgb(0, 0, 0);" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH;">%</font></div>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;Net interest margin (d)</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">4.89</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">%</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">4.38</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">%</font></div>
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        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;Efficiency ratio (e)</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">%</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
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        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">(d) Fully tax-equivalent net interest income as a percentage of average earning assets.</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">(e) Noninterest expense as a percentage of fully tax-equivalent net interest income plus noninterest income.</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); font-size: 10pt;">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="text-align: center; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Three months ended</font></div>
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          <div style="text-align: left; font-size: 10pt;"><font style="font-family: TMSRMN; color: rgb(0, 0, 0);">(in $000's)</font></div>
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        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 10pt;">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px; font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">11,912</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">11,249</font></div>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Interest and dividends on securities</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); color: rgb(0, 0, 0);" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH;">827</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); color: rgb(0, 0, 0); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); color: rgb(0, 0, 0);" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH;">775</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(255, 0, 0);">&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0);">Interest on interest-bearing deposits with banks</font></font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); color: rgb(0, 0, 0);" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH;">319</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); color: rgb(0, 0, 0); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); color: rgb(0, 0, 0); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); color: rgb(0, 0, 0); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); color: rgb(0, 0, 0);" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH;">685</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total interest income</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">13,058</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">12,709</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; font-weight: bold; color: rgb(0, 0, 0);">Interest expense:</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Deposits</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">1,342</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">892</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Borrowings</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">329</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">307</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total interest expense</font></div>
        </td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">1,671</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">1,199</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; font-weight: bold; color: rgb(0, 0, 0);">Net interest income</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">11,387</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">11,510</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; font-weight: bold; color: rgb(0, 0, 0);">Provision for loan losses </font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">2,377</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">756</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; font-weight: bold; color: rgb(0, 0, 0);">Noninterest income:</font></div>
        </td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Service charges on deposit accounts</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">503</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">502</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Trust fees</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">64</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">60</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Income from bank owned life insurance and</font></div>
        </td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160;annuity assets</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">178</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">176</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Mortgage banking income</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">914</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">861</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Loss on other real estate owned</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">(13</font></div>
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          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Other</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">118</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">198</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Occupancy </font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">441</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Furniture and equipment </font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">263</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">254</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">508</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">270</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">262</font></div>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;">
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">3</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">143</font></div>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Cash and noninterest-bearing deposits with banks</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">13,806</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Interest-bearing deposits with banks</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">59,769</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">57,374</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Total cash and cash equivalents</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">72,897</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">71,180</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Certificates of deposit in financial institutions</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">2,065</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">2,065</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Securities available for sale </font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">110,281</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">102,164</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Securities held to maturity (estimated fair value:&#160; 2019 - $16,124; 2018 - $16,234)</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">15,590</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">15,816</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Restricted investments in bank stocks</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">7,506</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">7,506</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Total loans </font></div>
        </td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">780,644</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">777,052</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;Less:&#160; Allowance for loan losses </font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">(8,013</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">)</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">(6,728</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">)</font></div>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Net loans</font></div>
        </td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">772,631</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">770,324</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Premises and equipment, net</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">15,815</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">14,855</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Other real estate owned</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">470</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">430</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;">
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">379</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;" colspan="1">
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">29,571</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">29,392</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Operating lease right-of-use asset, net</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">1,415</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">----</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #FFFFFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Other assets</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">6,305</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">6,373</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: #CCEEFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total assets</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">1,045,074</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">1,030,493</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); font-size: 10pt;">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; font-weight: bold; color: rgb(0, 0, 0);">LIABILITIES</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Noninterest-bearing deposits</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">242,461</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">237,821</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Interest-bearing deposits</font></div>
        </td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">619,243</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">608,883</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;Total deposits</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">861,704</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">846,704</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Other borrowed funds </font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">37,577</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
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        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">8,500</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">1,415</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">17,702</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); font-size: 10pt;">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; font-weight: bold; color: rgb(0, 0, 0);">SHAREHOLDERS' EQUITY</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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        <td valign="bottom" style="vertical-align: top; background-color: #FFFFFF;" colspan="4">
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;" colspan="1">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;2019 - 5,418,398 shares issued; 2018 - 5,400,065 shares issued)</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">5,418</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">5,400</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Additional paid-in capital</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">50,162</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">49,477</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">Retained earnings</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">81,042</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">80,844</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; background-color: #FFFFFF;" colspan="1">
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">(2,135</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">)</font></div>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
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        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">)</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" colspan="1">
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">)</font></div>
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      <tr>
        <td valign="bottom" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">120,352</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #FFFFFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">117,874</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255); font-size: 10pt;" colspan="1">&#160;</td>
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      <tr>
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          <div style="text-align: left; font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total liabilities and shareholders' equity</font></div>
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        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">1,045,074</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
        <td valign="bottom" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">$</font></div>
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        <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;" colspan="1">
          <div style="font-size: 10pt;"><font style="font-family: DUTCH; color: rgb(0, 0, 0);">1,030,493</font></div>
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        <td valign="bottom" nowrap="nowrap" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255); font-size: 10pt;" colspan="1">&#160;</td>
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